Any person with a DUI conviction in Virginia is required to carry Virginia FR44 insurance to reinstate their license. 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. An FR44 certificate is usually filed electronically with the Virginia Department of Motor Vehicles (DMV), which allows 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 FR44 certificate manually at your request.
How does Virginia FR44 insurance work?
FR44 insurance is a guarantee of future insurance coverage and proof of financial responsibility in the form of a certificate. The FR44 certificate is endorsed to an insurance policy, which is filed with the Virginia DMV by an insurance provider. The FR44 policy must be kept active during your probationary period (in most cases three years). Your Virginia FR44 insurance policy is monitored, so if it lapses or is canceled, your insurance provider submits an FR46 form to the state. This results in your license being suspended again, which requires you to repeat the process to reinstate your driving privileges.
A Virginia FR44 insurance owner policy is written when you own a car, truck or motorcycle (see Virginia FR44 Motorcycle Insurance). The FR44 certificate is endorsed to your vehicle insurance policy. If you don’t own a vehicle, you’ll purchase a Non Owner FR44 Virginia policy, which is endorsed to a non-owner insurance policy.
Minimum coverage requirements for Virginia FR44 insurance:
Because alcohol-and drug-related motor vehicle offenses are considered most serious, minimum liability coverage for FR44 insurance is two times higher than for Virginia SR22 insurance. (SR22 is for for violations not related to alcohol or drugs).
- $50,000 bodily injury per accident
- $100,000 bodily injury liability for all injuries in an accident
- $40,000 in property damage per accident
A Virginia FR44 insurance filing is required 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)
Details about obtaining restricted driving privileges after a DUI conviction are available on the Virginia DMV website.
You can save time and money by selecting the right FR44 insurance provider. UltraCar Insurance specializes in Virginia FR44 insurance. We’ll issue a Virginia DUI insurance policy for you at the lowest possible rate. Call us or click the quote button to start your Virginia FR44 insurance quote today!
NOTE: If your license suspension is not related to DUI/DWI, see Virginia SR22 Insurance.
