What is FR44? In Florida and Virginia, it’s a certificate that must be filed to reinstate your license after an alcohol or drug related conviction. Florida and Virginia are the only two states that require an FR44 certificate specifically for DUI/DWI offenses. On January 1, 2008 Virgina was the first state to introduce the FR-44 only for DUI license suspensions. Florida became the second state to adopt this second type of financial responsibility certificate.
What is FR44 insurance?
In Florida and Virginia there’s a difference between SR22 and FR44 insurance. License reinstatement after non-alcohol suspensions requires an SR22 filing. However, license reinstatement after a DUI/DWI suspension requires an FR44 filing. See Florida SR22 FR44 and Virginia SR22 FR44 Insurance for more information about these two certificates.
The minimum liability coverage requirements for F44 insurance are much higher than for SR22 insurance, especially in Florida. This greatly impacts your auto insurance rate if you own a car. The minimum coverage requirements for FR44 insurance in Virginia are 50/100/40 ($50K bodily injury per person/$100K bodily injury per accident/$40K property damage). In comparison, Florida’s higher minimum coverage requirements are 100/300/50.
Why do I need DUI insurance?
FR44 insurance is high risk insurance for people who’ve been convicted of a serious driving offense – specifically DUI/DWI. The state has an interest in making sure high risk drivers are always insured when driving a vehicle, whether they own one or not. People are usually required to carry this insurance without any lapse of coverage for 3 years. The certificate is also a monitoring device. If coverage lapses even one time, the insurance provider must notify the state DMV by filing an FR-46 form. This cancels the existing certificate and results in automatic license suspension once again.
Frequently asked questions about what is FR44
One of the most frequent questions asked about what is FR44 is, “is it a stand alone insurance policy?” The answer is no. The certificate does not exist on its own. If you own a car, the certificate is an endorsement or attachment to your existing auto insurance policy. If you don’t own a vehicle, you’ll purchase a non-owner insurance policy, and the certificate will be endorsed to that. In general, FR44 Non Owner Insurance (without a vehicle) is 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.
Another frequently asked question is, “do I need to carry FR44 if I move out of state?” This insurance 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 make sure you remain properly insured, without interruption, prior to moving out of state.
Florida DHSMV / Virginia DMV
Additional/related information about what is FR44 can be found on each state’s DMV website:
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 about what is FR44 insurance? Let us help. Our agents are licensed in both states, and can offer the lowest FR44 insurance rate possible for you. Click to start a quote now, or give us a call today!