A Guide to the Process of Submitting an FR-44 Insurance Form

Serenity InsurancePosted on Posted in General
A Guide to the Process of Submitting an FR-44 Insurance Form

Driving is a privilege that comes with responsibilities and consequences. After committing a severe driving offense, such as driving under the influence, financial and legal repercussions follow high-risk drivers for years. Navigating the road to regaining driving privileges can be particularly challenging, especially when dealing with the FR-44 form.

Most drivers will never need to submit an FR-44 insurance form because of its lack of widespread use. Unfortunately, this means they don’t know where to begin if they ever have to complete it. This blog aims to guide high-risk drivers through the process of submitting an FR-44 insurance form, helping them regain their driving privileges.

What Is FR-44 Insurance?

FR-44 insurance is a certification required for high-risk drivers to prove they have purchased the necessary auto insurance coverage. Unlike SR-22 insurance, which requires buying the minimum liability coverage, FR-44 insurance requires purchasing much higher liability coverage requirements. It’s nearly double the state minimum liability limits! This form is necessary for reinstating a driver’s license after serious offenses, such as DUIs.

Another difference between SR-22 and FR-44 insurance is the US states in which it is mandatory. FR-44 insurance is a mandate in Florida and Virginia to ensure drivers meet state-imposed insurance obligations.

FR-44 Insurance in Florida

In Florida, FR-44 insurance primarily applies to drivers convicted of driving under the influence (DUI). These people may be notified of their FR-44 requirement through a letter in the mail or being told by a judge during a court hearing. The state sets high liability coverage requirements for these individuals. High-risk drivers in Florida must acquire the following:

  • $100,000 in bodily injury liability per person
  • $300,000 in bodily injury liability per accident
  • $50,000 in property damage liability

FR-44 Insurance in Virginia

Virginia is the only other state in the US that employs FR-44 insurance and does so more broadly than in Florida. Besides a DUI, violations such as driving without insurance, driving with a suspended license, or reckless driving may necessitate FR-44 insurance. Virginia’s minimum liability coverage limits for FR-44 insurance are lower than Florida’s. Drivers with an FR-44 insurance requirement in Virginia must acquire the following:

  • $60,000 in bodily injury liability per person
  • $120,000 in bodily injury liability per accident
  • $40,000 in property damage liability

Steps To Submit an FR-44 Form

Now that you have a better understanding of FR-44 requirements in Florida and Virginia, let’s navigate the FR-44 submission process, which involves several steps. It’s essential to approach each step meticulously to avoid setbacks.

Contact Current Insurance Provider

Start by contacting your current insurer to check if they offer FR-44 insurance. Not all companies provide this service, so it’s a good starting point to assess your options. Your existing provider might offer a seamless transition into the necessary coverage.

Look for Insurance Providers

If your current insurer can’t provide FR-44 coverage, you’ll need to shop around. Explore different FR-44 insurance companies in Florida to find those that offer policies meeting the mandatory requirements. Be sure to inquire about their experience with FR-44 forms to confirm that they understand your needs. Customer service, policy terms, and additional fees should also be part of your decision.

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Compare Quotes From Multiple Providers

Compare quotes for FR-44 coverage just as you would when shopping for auto insurance. This way, you can find the best balance of coverage and savings. Remember, choosing the provider who offers the lowest quote may not be the best idea. Review the details of each policy to ensure it meets your needs.

Determine Coverage Needs

Evaluate your coverage needs based on the state-mandated requirements and your personal preferences. The policies you’re considering should meet or exceed these minimum requirements. It’s also wise to consider additional coverage, such as comprehensive coverage or personal injury protection, that might protect you further from unforeseen accidents or legal issues.

Purchase an Insurance Policy

Once you’ve determined the best policy for your needs, purchase it! Fill out all paperwork correctly, and double-check that the policy coverage aligns with state requirements to avoid future complications.

Submit the FR-44 Insurance Form

After securing your policy, the insurance company must file your FR-44 form with either the Florida or Virginia Department of Motor Vehicles (DMV). This step confirms your compliance with state insurance mandates. We recommend following up with your insurer to confirm the submission.

Pay Reinstatement Fees

Finally, pay the necessary reinstatement fees to reactivate your suspended license. These fees might include additional costs associated with processing your FR-44 form, which typically ranges between $15 and $35. Settle them promptly to regain your driving privileges.

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How Long Does FR-44 Insurance Last?

High-risk drivers must maintain FR-44 insurance between one and four years, typically lasting at least three years. The exact duration may vary based on state laws and the severity of the offense. Awareness of this timeframe is crucial, as any lapse in coverage could result in license suspension or additional penalties.

Maintaining consistent coverage is vital during this period. Any changes to your policy should occur in consultation with your insurer to ensure ongoing compliance with state requirements.

How Does FR-44 Insurance Affect Premiums?

FR-44 insurance often results in higher premiums compared to standard policies. This increase reflects the heightened risk associated with high-risk drivers and the higher coverage requirements. Various factors, including your driving record and the specifics of your offense, influence the rate increase.

While the cost may seem daunting, maintaining good driving habits can reduce premiums over time. Additionally, exploring discounts or bundling options with your provider might offer some financial relief.

Final Thoughts

Submitting an FR-44 insurance form is essential for high-risk drivers seeking to reinstate their driving privileges. Understanding the intricacies of FR-44 insurance in both Florida and Virginia will help you approach this requirement confidently.

If you’re navigating this path, taking proactive steps, such as shopping for policies and comprehending state-specific mandates, facilitates the process. With the right approach, you can fulfill these requirements and return to the road responsibly, knowing you’re insured.

For further insights or assistance, contact Serenity Group to find the best rate on FR-44 insurance for your situation. We specialize in delivering high-risk coverage to help drivers maintain compliance.