Two states currently use an FR44 filing system specifically for alcohol-related offenses: Florida and Virginia. Virginia was the first state to adopt the FR44 filing system in 2008. Any person with a DUI (driving under the influence) conviction in Virginia is required by law to carry Virginia FR44 insurance for license reinstatement. An FR44 certificate is usually filed electronically with the Virginia Department of Motor Vehicles (DMV), allowing faster processing and better efficiency. If you are already working with someone at the DMV and are required to file manually, UltraCar Insurance can file your Virginia FR44 certificate manually at your request.
Virginia FR44 insurance is a financial responsibility form that is filed with the Virginia DMV by an insurance company. The FR44 insurance policy must be kept active without lapse of coverage for the entire probation period assigned by the state – in most cases a period of three years. Your insurance provider monitors your Virginia FR44 insurance policy closely; if it lapses or is canceled, your insurance provider notifies the Virginia DMV by filing an FR46 form. This results in your license being suspended again, and the process will have to be repeated to reinstate your driving privileges.
A Virginia FR44 insurance policy can be written when you own a vehicle (including motorcycles – see Virginia FR44 Motorcycle Insurance). If you own a vehicle, you’ll purchase FR44 owner insurance. If you don’t own a car, truck or motorcycle, you will purchase a Non Owner FR44 Virginia policy.
Because they are for alcohol-related offenses, the minimum liability coverage requirements for FR44 high risk insurance is two times higher than for Virginia SR22 insurance. The minimum coverage requirements for Virginia FR44 insurance are:
- $50,000 bodily injury per accident
- $100,000 bodily injury liability for all injuries in an accident
- $40,000 in property damage per accident
The Virginia Department of Motor Vehicles requires filing Virginia FR44 insurance for the following offenses:
- Driving while intoxicated
- Causing injury to others or to a property while under the influence
- Violating the provisions of federal law.
- Driving without a license due to forfeit for a conviction
- Driving without a license (juvenile)
Get more details about reinstating your driver’s license on the Virginia DMV website.
Selecting the right insurance company for FR44 insurance can save you time and money. UltraCar Insurance specializes in Virginia FR44 insurance, and we’ll find a Virginia DUI insurance policy with the lowest possible rate for your needs. Call us or click on the quote button to start your Virginia FR44 insurance quote today!