Had a recent accident or traffic conviction? You might've heard about an FR-44 requirement, but have no idea what it entails.
Read on and you'll learn everything you need to know about:
- What is an FR-44?
- When do you need an FR-44? (plus: frequently asked questions)
- What's the difference between the FR-44 & SR-22 forms?
WHAT IS AN FR-44 INSURANCE FORM?
Contrary to what most drivers think, the FR-44 is not a form of insurance, though it's commonly referred to as DUI insurance.
Instead, an FR-44 is a form that has to be completed to show financial responsibility ("FR") and proof of insurance coverage. In addition, the FR-44 form is only needed after a severe offense. Though similar to an SR-22 form, there are some vast differences.
WHEN DO YOU NEED AN FR-44 INSURANCE FORM?
Drivers required to have an FR-44 form have been responsible for a serious accident, conviction, or severe traffic violation. As such, it's one that responsible drivers want to avoid.
The FR-44 insurance form is only required in Florida and Virginia, and will be necessary after violations such as:
- Driving with a forfeited license due to a conviction or, in the case of a juvenile, after a finding of not innocent
- Driving while under the influence of alcohol or drugs (and receiving a DUI, DWI, or OUI)
- Injuring someone with a vehicle while under the influence
- Other violations at the level of federal law, state law, or local law
How does a driver get an FR-44 form?
Once you've been involved in a serious accident or convicted of a severe driving offense, your license will likely be suspended. In order to get your license reinstated and legally drive again, you'll need to complete the FR-44 insurance form.
At your court hearing, you'll be told you need an FR-44. Call your insurance agent right away to begin the filing process for your insurance form and reinstate your license.
How soon can you get an FR-44 form?
In many situations, your Virginia or Florida DMV is able to submit a same-day electronic FR-44 insurance form. Of course, this will depend on the hours your local DMV keeps, along with the day of the week or whether it's a holiday.
How do you get an FR-44 form without a car?
For those drivers who are required to have an FR-44 form, but don't have a vehicle, proving financial responsibility in order to regain your license is slightly more challenging.
Non-owners car insurance is a great solution for drivers who need auto insurance alongside a FR-44. While it can be difficult to find a carrier who offers this type of coverage, there are insurance companies who offer non-owners car insurance.
How long do you need an FR-44 form for?
In both Virginia and Florida, if you're convicted of any of the violations from above, an FR-44 is typically required for three years. Always double check with your local court or DMV to determine exactly how long your FR-44 needs to be on file.
It's important to know that if your auto insurance lapses prior to the end of the FR-44 requirement, your license could be suspended.
What is the minimum coverage for the FR-44 form?
When you're required to have an FR-44 insurance form to legally drive a vehicle, part of the financial responsibility requirement is that you'll need more than the typical minimum car insurance coverage.
In Florida, FR-44 holders have a minimum requirement of $100K/$300K for bodily injury and $50K for property damage.
In Virginia, FR-44 holders have a minimum requirement of $50K/$100K for bodily injury and $40K for property damage.
How much does an FR-44 form cost?
When you're required to complete an FR-44 form, you can expect roughly $15 - $25 in filing charges. The real cost increase will be seen in your car insurance premium.
While your auto insurance policy is dependent on a number of variables — including location, marital status, age, and driving history — an FR-44 requirement means you're considered a high-risk driver.
Due to an increase in minimum liability coverage as well as an overall premium increase, you'll see a significant increase in your rates. Shop around for insurance discounts to help decrease your payment.
WHAT'S THE DIFFERENCE BETWEEN THE FR-44 & SR-22 FORMS?
You may have also heard of the SR-22 insurance form and wonder how it differs from FR-44 requirements.
Though similar, SR-22 forms are used to ensure financial responsibility for drivers who have less severe driving convictions than those who are required to get an FR-44 form. Often, an SR-22 may be used for a first offense or an accident deemed less severe than one that would require an FR-44.
Additionally, drivers who need an SR-22 form also need less insurance coverage than those who have an FR-44 form.
While an FR-44 insurance form isn't something any of us wishes for, it's a requirement for those convicted after severe accidents or traffic violations. Now you have a better idea of what happens when you're required to get an FR-44 form.
If you need help finding the best car insurance coverage for the best price, start by speaking to a SimplyIOA agent at 833.872.4467 or get an auto insurance quote online now.
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