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Hello! I'm Dan Lyles with Lyles Insurance. This video is a buyer's guide for those of you who need FR44 auto insurance in Virginia.
What is an FR44 filing? It's basically a state filing that attaches onto an auto insurance policy. It's usually the last step you have to take in getting your driver's license reinstated. And basically, what an FR44 filing is, it guarantees the Virginia DMV that you're carrying at least double the state minimum requirement in auto insurance liability coverage. And the way it works is, once you buy a policy, you can get your license back. And once your license is reinstated, the FR44 filing acts as a “tattletale” if you ever cancel or lapse on a policy.
So after you've had a policy canceled with an FR44 filing attached, the auto insurance company, like I mentioned on the last slide, will tattle on you to the DMV because they're required to by law. What happens then? Well, unfortunately, your license would be suspended again until you either reinstate or start another policy with a new FR44 attached. And just to give you a quick heads-up, Virginia's very strict about that! When you cancel on an FR44 policy, they're probably going to hit you with another reinstatement fee, which can really get pricey. So once you start a policy, you want to make sure you keep it active for as long as you need to keep that FR44 filing.
So to start the buying process, the first thing that's very important is which type of policy do you need? And the answer is very simple. If you own a vehicle or have a vehicle registered in your name, you need just a regular auto insurance policy, and attach the FR44 filing onto it. Now for those of you who do not own a vehicle, you're going to need what's called a Named Operator's auto insurance policy. And again, an FR44 filing will attach onto it as well.
As far as FR44 coverage, the main thing you need to watch is what I have in bold there at the top. You need to increase your liability coverage to at least double the Virginia state minimum, which would be 50/100/40. You also need to carry the uninsured motorist coverage of at least 25/50/20 like all Virginia drivers are required to. But other than that, all other coverages are optional So you can select yes or no and each of them. That includes medical payments coverage, income loss coverage or comprehensive & collision coverage (which if you have them both together is what people call “full coverage”).
If you would like for me to personally run you a quote, I will be very happy to do so. I have several FR44 friendly companies in Virginia (meaning they go easy on price for those who need an FR44 and have dings on their driving record. I will shop around and find the company that comes out the lowest in your situation. If you'd like to get a quote straight from my website, I've posted two links. The first link is for those of you who own a vehicle. The second link is for those of you who do not own a vehicle. Or, if you'd rather just get a quote by phone, I've also posted my phone number at the bottom. And I will also post those links at the bottom of the video, whether you're watching this on my blog or YouTube. So I hope you've learned what you need to learn about FR44 filings. Thank you for watching and have a great day!
Dan Lyles is an Independent Insurance Agent serving Ohio, Indiana, Michigan, Pennsylvania, Virginia and West Virginia..