Understanding FR44 Insurance Forms in Virginia

Driving is a privilege that comes with significant responsibilities. However, certain traffic violations in Virginia can result in additional responsibilities, including the need to meet FR44 insurance requirements.

Navigating the specific documentation and policies can be confusing, but reviewing this blog can help. Read on to better understand FR insurance forms in Virginia.

Defining the FR44 Form and Its Purpose

If you think that an FR44 form is like the standard insurance cards that you carry around in your wallet, think again. It is a document that your insurance provider files directly with the Virginia Department of Motor Vehicles (DMV) on your behalf. The form serves as official verification that your policy meets the elevated coverage amounts required by the state after a serious driving conviction.

Think of the FR44 as a seal of compliance. It tells the Virginia DMV that you have taken the necessary steps to secure the required insurance coverage. Without this official filing, the DMV will not consider you compliant with your legal obligations, and you will be unable to get back behind the wheel legally.

The Key Difference Between FR44 and SR22

Many drivers confuse the FR44 with the more common SR22 form, but they serve different purposes and apply in different situations, especially in Virginia. An SR22 is also a certificate of financial responsibility, but it typically applies to infractions such as reckless driving, accumulating too many points on your license, or driving without insurance. An SR22 filing confirms that you meet the state’s minimum liability insurance requirements.

On the other hand, the FR44 applies to more serious violations, primarily related to driving under the influence of alcohol or drugs. Its main distinction is the requirement for significantly higher liability coverage. While an SR22 confirms you meet the minimum requirements, an FR44 confirms you double those limits.

To put it simply, the violation dictates the form. A driver who gets into an accident without insurance might need an SR22. A driver convicted of a DUI in Virginia will almost certainly need an FR44. The increased liability limits of an FR44 policy offer greater financial protection to other drivers on the road, reflecting the heightened risk the state associates with the driver’s past behavior.

Other offenses can also lead to an FR44 requirement. These include maiming another person while operating a motor vehicle, a serious offense with severe consequences. Driving with a forfeited or suspended license due to a previous conviction can also result in an FR44 filing. Additionally, any violation of federal or state law will trigger the same requirement.

How To Obtain FR44 Insurance

Now that you have a better understanding of FR44 insurance forms in Virginia, we can examine how to obtain one. Securing an FR44 filing begins with finding an insurance company authorized to issue them. Not all insurers offer this type of high-risk policy, so you will need to search for a provider that specializes in or is willing to take on FR44 clients.

Once you identify a suitable insurer, you must purchase a car insurance policy that meets the state’s mandated double liability limits. You cannot simply add an FR44 to an existing, non-compliant policy. After you have purchased the qualifying policy, the insurance company takes over and files it electronically in a quick process.

You will also need to pay a filing fee to the insurance company, which they then remit to the state. This fee is separate from your insurance premium. Once the DMV processes the FR44 filing, it will update your record, which is a key step toward license reinstatement. You will receive a copy of the FR44 from your insurer for your personal records, but the official verification happens directly between your insurer and the DMV.

Maintaining Your FR44 and Avoiding Lapses

Maintaining continuous FR44 insurance coverage is just as important as obtaining it. The court typically requires you to keep the FR44 on file with the DMV for three consecutive years. Any interruption in this coverage can lead to severe penalties. If you cancel your policy, let it lapse for non-payment, or reduce your coverage below the required limits, your insurance company is legally obligated to notify the DMV immediately by filing an FR46 form.

An FR46 form is a notice of cancellation. Once the DMV receives it, they will suspend your driving privileges again. This suspension remains in effect until you secure a new compliant policy and your new insurer files another FR44 on your behalf. This process can be costly and time-consuming, and it resets the compliance clock in some cases. It is a setback that is best avoided.

To prevent a lapse, communicate openly with your insurance provider. If you are struggling to make a payment, discuss your options with them ahead of time. It is also crucial to ensure your policy renews on time and that your payment information is always up to date. Treating your FR44 insurance obligation with the seriousness it deserves is essential for successfully completing your required term and moving forward.

Life After the FR44 Requirement Ends

Successfully maintaining your FR44 insurance for the entire mandated period is a significant accomplishment. Once you have completed this term without any lapses, you can begin the transition back to standard auto insurance. However, your FR44 requirement does not automatically disappear from your record. You should contact the Virginia DMV to confirm that you have fulfilled your obligation and are clear to remove the filing.

After receiving confirmation from the DMV, you can then reach out to your insurance provider. Inform them that you no longer need the FR44 filing and would like to switch to a standard auto insurance policy. This is also an excellent opportunity to reevaluate your coverage needs and shop for new rates.

Navigating the aftermath of a serious driving conviction is challenging, but understanding your responsibilities is the first step toward getting back on the road. The FR44 is a critical piece of this process, ensuring you are financially prepared for the road ahead. By securing the right policy and maintaining it, you demonstrate your commitment to safe and responsible driving.

If you need help getting back behind the wheel by obtaining an FR44, contact Serenity Group today. We can provide you with FR44 insurance quotes in Virginia that will help simplify your journey as you start this new chapter of your life.