Even if you don’t own a vehicle, it’s likely that you have a driver’s license for the purpose of identification, as well as to be able to legally drive a non-owned vehicle when necessary. If you have a DUI or DWI license suspension and you don’t own a vehicle, you’ll file a non owner FR44 Virginia certificate for license reinstatement. The state of Virginia was the first state to adopt the FR44 law in January 2008. It is separate from SR22 insurance, which is for non-alcohol or drug related offenses. FR44 is a financial responsibility form that will be attached to a non-owner insurance policy, allowing you to obtain a restricted driver’s license during your suspension. Non owner FR44 Virginia is high risk insurance specifically for DUI or DWI offenses. It is monitored closely to ensure that you carry the state’s required minimum coverage, and that the coverage does not lapse. People who are required to carry FR44 insurance must usually do so for 1-3 years.
If your non owner FR44 Virginia policy lapses for any reason during that time, your insurance provider submits an FR46 form to the Virginia DMV, resulting in re-suspension of your license. To obtain license reinstatement again, you will have to pay a reinstatement fee, and have a new non owner FR44 Virginia policy issued. Allowing your non owner FR44 Virginia policy to lapse causes time and money to be wasted, so it is best to complete the FR44 requirement without any interruption of coverage.
The coverage requirements for non owner FR44 Virginia insurance is double that of Virginia non owner SR22 insurance (for non-alcohol related license suspensions). FR44 coverage requirements are $50,000 bodily injury per person, $100,000 bodily injury per accident, and $40,000 property damage.
There are coverage limitations with non owner FR44 policies. More information about obtaining restricted driving privileges after a DUI conviction can be found on the Virginia DMV website.
UltraCar Insurance can quickly file your non owner FR44 Virginia certificate electronically with the Virginia DMV, and provide you with a copy of your FR44 certificate within 20 minutes. Start a quote now, or call us during business hours for a no-obligation consultation and a Virginia FR44 insurance quote from one of our licensed agents.