If you need an FR44 insurance filing for license reinstatement and own a motorcycle, Virginia FR44 motorcycle insurance may be a great option for you. To reinstate your license after a Virginia DUI violation, filing your FR44 certificate with your motorcycle policy can be less costly than endorsing it to an auto policy. When you’re required to carry FR44 insurance for an average of 3 years, it can make a difference to your budget.
If you own a motorcycle and need to file a Virginia FR44 Insurance certificate after a DUI violation, it may surprise you that you can obtain Virginia FR44 motorcycle insurance. There aren’t many insurance providers that will endorse an FR44 certificate to a motorcycle insurance policy – but UltraCar Insurance does! (more…)
People in Florida and Virginia who are seeking license reinstatement often ask, “what’s the difference between SR22 FR44 insurance?” Only Florida and Virginia residents need to be concerned about this difference. These are the only states that have two separate certificates of financial responsibility for license reinstatement. (more…)
The simple answer to what is FR44 is that it’s a certificate of financial responsibility required for license reinstatement after DUI/DWI offenses. Just two states require FR44 certificates specifically for DUI/DWI offenses – Florida and Virgina. Virgina was the first state that introduced the FR-44 on January 1, 2008, and Florida became the second state to adopt the FR-44 for approving license reinstatements connected to alcohol or drug related traffic offenses. (more…)
If you currently have an SR22 filing and decide to sell your car, you might wonder if you can buy SR22 insurance without a vehicle. In a case like this, you need to contact your insurance provider so you can stay in compliance with your SR22 insurance requirement. (more…)
If your license has been suspended after a Virginia DWI or DUI conviction, FR44 Virginia insurance is required for license reinstatement. Adult drivers in Virginia who are pulled over with a blood alcohol content (BAC) of .08 or higher will be charged with driving while impaired (DWI). Persons under 21 years old with a BAC of .02% – .08% will have their license suspended for 6 months. (more…)
In certain states broad form SR22 insurance is a low cost, non-owner auto liability insurance option for license reinstatement. In most cases non owner SR22 insurance is filed if you don’t own a vehicle, and SR22 insurance is filed if you do own a vehicle. However, broad form SR22 insurance is also an option if you own a vehicle. (more…)
What is non owners SR22 insurance? It’s a financial responsibility form that must be filed with the state DMV to reinstate a suspended driver’s license. An SR22 non owners certificate is filed by individuals who do not own a vehicle. In most cases, people who don’t own a car likely still have a driver’s license for identification. (more…)
What is FR44 insurance Virginia? If you have a DUI/DWI violation in Virginia, you’ll be required to file an FR44 certificate for license reinstatement. The state of Virginia was the first state in the country to implement the FR44 filing system specifically for alcohol or drug related offenses. A Virginia FR44 insurance filing is similar to an SR22 filing, but FR44 insurance minimum coverage requirements for FR44 insurance is much higher than for standard liability insurance requirements. (more…)
FR44 Florida is a financial responsibility form mandated by the state or required by the courts in order to regain your driving privileges after a DUI / DWI offense. There are currently just two states that have implemented the FR44 filing specifically for DUI, DWI, OWI or other alcohol related offenses: Florida and Virginia. The FR44 requirement was introduced by the Florida Department of Highway Safety (DHSMV) on February 2, 2008. (more…)
What is high risk insurance, or non-standard insurance? Many people have a driving record that’s less than perfect, and have had to file multiple insurance claims due to accidents or other driving violations. Insurance companies categorize individuals with numerous violations and insurance claims as high risk, because they are assumed to stand a greater chance of filing future insurance claims.
Being required to purchase SR22 high risk insurance, means that you will need to file an SR22 certificate with the state. This is also known as high risk SR22 insurance. SR22 is a certificate of financial responsibility that serves as a monitoring device between the policyholder’s insurance company and the state. It serves to guarantee the state that the driver is insured without interruption for the period of time required by the state.
Who may need high risk insurance?
A driver can be considered high risk for a variety of reasons, such as repeated moving violations or accidents and driving without insurance. Convictions for driving under the influence of alcohol or other drugs require SR22 DUI insurance. Note: In Florida and Virginia, license reinstatement for alcohol and drug related motor vehicle offenses require an FR44 certificate, rather than an SR22, to be filed with the state. As a result of multiple violations accumulating to more than 6 points, a driver no longer qualifies for preferred insurance rates in most cases. Individuals who may require high risk insurance often include teenagers, even those with a clean driving record. Teens are initially categorized as high risk due to age and lack of driving experience. Young drivers have comparatively more accidents and traffic violations than older drivers with more experience behind the wheel, which increases the already high cost insurance. A driver whose license has been suspended or revoked will need to purchase a high risk auto insurance policy before their license will be reinstated.
High risk insurance is more costly than standard auto insurance. If a driver has multiple speeding tickets, statistically it is only a matter of time before that driver has an accident or additional tickets – and that’s why they are penalized with a higher insurance rate. On the other hand, people who have an excellent driving record are rewarded with lower premiums, because the probability of their having to file an insurance claim is much lower.
Insurance companies that insure few high risk drivers tend to charge much higher rates to drivers in this category. If you require high risk insurance, UltraCar Insurance specializes in protecting you with cost effective SR22 and FR44 insurance policies. Give us a call today for a quick quote and SR22 filing.