Is there a secret to understanding FR-44 insurance? It can be pretty straightforward or quite complex, depending on your circumstances. We’ll demystify this high-risk auto insurance by presenting the basics of FR-44 insurance, how it’s different from standard car insurance,
Virginia FR44 Archives
This is the Virginia FR44 Archives for UltraCar Insurance. Your source for SR22 & FR44 Insurance.
Understanding FR-44 Insurance
After a DUI conviction in Florida or Virginia, you must attach an FR-44 certificate to your auto policy and file it with the DMV. Even if you don’t own a car, you must file an FR-44 certificate, which is endorsed to a non-owner insurance policy. Understanding FR-44 insurance beforehand will make your license reinstatement process less stressful. You can learn about some of the basics of this high-risk auto insurance in this article.
What To Know About High-Risk Auto Insurance Companies
Many standard insurance companies lower their risk of loss by setting higher premiums for drivers with substandard driving records and license suspensions. Experienced high-risk auto insurance companies can write more affordable SR22 and FR44 insurance policies for these drivers.
This article explores high-risk auto insurance companies and providers. We’ll explain why they’re your best option for high-risk auto insurance coverage. So buckle up and get ready to discover what SR22 and FR44 insurance providers offer!
What happens to my FR44 if I move out of state?
What if you’re moving to another state before you complete your FR44 requirement? You’re probably wondering, “What should I do about my FR44 if I move out of state?” Virginia and Florida are the only states that require an FR44 certificate specifically for people with DUI convictions. You can’t transfer your FR44 certificate outside of Florida or Virginia. You’ll need to keep your FR44 policy current for the required time. If you own a vehicle, you can get a separate, standard insurance policy in your new state.
Our Florida and Virginia clients frequently ask, “Do I have to keep my FR44 if I move out of state?” And it’s a valid question because Florida and Virginia are the only states that require an FR44 specifically for DUI or DWI license suspensions.
What’s the difference between SR22 and FR44 insurance?
You’ll need to know the difference between SR22 and FR44 insurance to reinstate your license in these states. Only Florida and Virginia require different certificates for DUI violations vs. non-DUI offenses. You’ll file an SR22 certificate for motor vehicle violations unrelated to alcohol or drugs. You must file an FR44 form for alcohol or other substance-related DUI violations.
When people in Florida and Virginia need to reinstate their license, they often ask, what’s the difference between SR22 and FR44 insurance? These are the only states with two types of license reinstatement certificates. An SR22 insurance certificate is for non-alcohol-related motor vehicle violations. The FR44 insurance certificate is for DUI or DWI violations.
What is FR44?
What is FR44? Florida and Virginia have two separate certificates for license reinstatement. One, SR22, is for motor vehicle violations unrelated to alcohol or drugs. The other, FR44, is for DUI-related offenses. To reinstate your license after a DUI or DWI conviction, you need to file an FR44 certificate with the state.
What is FR44? In Florida and Virginia, you must attach a financial responsibility form to your auto insurance policy to reinstate your license after a DUI/DWI conviction. Florida and Virginia are the only states that require this form specifically for DUI/DWI offenses. On January 1, 2008, Virginia was the first state to introduce it, and Florida became the second state to adopt it.
What is FR44 insurance?
There’s a difference between SR22 and FR44 insurance in Florida and Virginia. Non-alcohol suspensions require an SR22 filing. However, for a DUI/DWI suspension, you’ll need to file an FR44 certificate. See Florida SR22 FR44 and Virginia SR22 FR44 Insurance for additional information.
The minimum liability coverage requirements for F44 insurance are much higher than for SR22 insurance, especially in Florida. The higher coverage significantly impacts your auto insurance rate if you own a car.
Minimum coverage requirements for FR44 insurance in Virginia are 60/120/40:
- $60,000 bodily injury per person
- $120,000 bodily injury per accident
- $40,000 property damage per accident
- $30,000 per person / $60,000 per accident uninsured motorist bodily injury
- $20,000 uninsured motorist property damage
The minimum coverage requirements in Florida are much higher: 100/300/50.
Why do I need DUI insurance?
DUI insurance is high-risk insurance for people convicted of a serious driving offense – especially DUI/DWI. The state is interested in ensuring high-risk drivers are always insured when driving a vehicle, whether they own one or not. People usually have to carry this insurance without a lapse of coverage for three years. The certificate is also a monitoring device. If coverage lapses even one time, the insurance company notifies the state DMV by filing an FR-46 form. This filing cancels the existing certificate, resulting in immediate license suspension.
Frequently asked questions about what is FR44
“Is FR44 a stand-alone insurance policy?” The answer is no. The certificate does not exist on its own. If you own a car, the document is a rider to your existing auto insurance policy. You’ll purchase a non-owner insurance policy with an FR44 attachment if you don’t own a vehicle. FR44 Non Owner Insurance (without a car) is generally cheaper than owner-operator insurance (with a car). However, when you own a vehicle, you can’t purchase a non-owner certificate to avoid paying a higher premium.
“Do I need to carry FR44 if I move out of state?” This certificate is only available in Florida and Virginia, so the coverage cannot be transferred if you move out of these states. If you carry FR44 insurance and move to another state, our agents can ensure you remain legally insured without interruption before moving.
Florida HSMV / Virginia DMV
You can find additional/related information about what is FR44 on each state’s DMV website:
- Florida: Florida DUI suspension laws
- Virginia: Reinstating driving privileges in Virginia
UltraCar Insurance specializes in providing FR44 insurance for vehicle owners and non owner FR44 Virginia / non owner FR44 Florida if you don’t own a vehicle. Do you have more questions? Let us help. Our agents are licensed in both states and can offer the lowest DUI insurance rate for your needs. Click to start a quote, or give us a call today!
What is FR44 Virginia?
FR44 Virginia is a certificate of financial responsibility. After a DUI or DWI conviction, you can reinstate your license when you file this document with the DMV. The high-risk FR-44 and SR-22 insurance certificates in VA are attached to an auto insurance policy if you own a vehicle or a non-owner insurance policy if you don’t. To avoid another license suspension, you must stay current with your Virginia FR44 insurance payments.
Drivers who commit an alcohol-related motor vehicle offense must buy FR44 Virginia insurance to reinstate their license.
DUI in Virginia
If you have a suspended license after a conviction for DUI in Virginia, you can regain your driving privileges by filing an FR44 certificate with the DMV. After you’ve satisfied all license reinstatement requirements, FR44 insurance will allow you to drive legally with a restricted license.
Driving a vehicle under the influence of alcohol or drugs is against the law in all 50 states. DUI in Virginia penalties occur if you’re 21 years or older with a blood alcohol content of 0.08% or higher. The blood alcohol limit for drivers under the age of 21 is 0.02%.
What is FR44 insurance in Virginia?
Suppose the state requires you to purchase high-risk insurance after a DUI violation. In that case, it’s helpful to understand what is FR44 insurance in Virginia. An FR44 is a certificate that’s tied to an auto insurance policy. You’ll file the certificate with the state Department of Motor Vehicles (DMV) to reinstate your license after a DUI suspension. You’ll likely have higher insurance premiums while you maintain FR44 insurance.
So, what is FR44 insurance in Virginia? If you want to reinstate your license after a DUI/DWI conviction, the state requires you to file an FR44 certificate. To get an FR44 certificate, you’ll have an insurance provider write you an owner or non-owner liability insurance policy and add the FR44 certificate as a rider to your policy.
Virginia FR44 Insurance
If you’re eligible for license reinstatement after a DUI offense, a Virginia FR44 insurance certificate is one of the requirements you must complete. Filing this certificate and keeping your insurance policy current, while the state requires it, allows you to reinstate your driving privileges. You can get FR44 insurance if you own a vehicle or not, and the certificate can also be attached to a motorcycle insurance policy.
Any person with a DUI conviction in Virginia must carry Virginia FR44 insurance to reinstate their license. Two states currently use an FR44 filing system specifically for alcohol-related offenses: Florida and Virginia.
