Vehicle Owners: Click Here for an FR44 Auto Insurance Quote
Non-Owners: Click Here for an FR44 Auto Insurance Quote
Hello! This is Dan Lyles from Lyles Insurance. And in this video we're going to cover a very common question: What is Virginia FR44 auto insurance?
So first, what is an FR44 filing? Contrary to popular belief, it is not auto insurance. An FR44 is simply a state filing that attaches onto an auto insurance policy. And it's for drivers
who have a suspended license, but they need to get their license reinstated.
As far as the purpose of FR44 filings, it lets the Virginia DMV know that you're carrying active auto insurance liability coverage. Once the DMV processes your FR44, your license will be reinstated (assuming you met all other requirements). And it will remain valid as long as you keep this policy active. For most of you, not everyone, but the vast majority of
you, you’ll be required to carry an FR44 for three years.
Here's the bad news about an FR44 filing. If you ever cancel or lapse on that policy. the auto
insurance company is required by law to notify the Virginia DMV. And the way I like to explain it is they're required to “tattle” on you, telling them that you cancelled your policy. Once that happens your license will be suspended again until you either reinstate the old
policy, or buy a new one with another FR44 attached.
It's important that you select the right level of liability coverage when you need an FR44 filing. In Virginia, the state minimum liability limit is 25/50/20. However, when you need an FR44, you've got to carry at least double that, which is 50/100/40. If you'd like more information about what those numbers mean, I've posted a blog article that I wrote which
explains it more thoroughly at the bottom.
It's very important that you attach your Fr44 onto the right type of policy. And it's real simple. If you own a vehicle, just take out a regular auto insurance policy with a company that writes FR44 filings, and attach it on to that. It's that simple. Now, if you don't own a vehicle, you'll need to take out what's called a named operator or non owners policy. Either way the FR44 will attach on to get your license back.
Now there is a second option if you own a vehicle. Some drivers choose to pay for two separate policies at once. They'll take out a regular auto insurance policy without the Fr44 just to insure their vehicles. And then they'll take out a named operator, non-owners policy and put the Fr44 onto it just to keep their license valid. There's nothing wrong with doing this. And for a small percentage of you, it's a good idea. But the vast majority of you need to forget about it because it usually comes out more expensive that way.
So I hope you've learned from this video what you need to know about FR44 filings. If you have any questions, or you want to get a quote, I've posted links here to both my blog, which has several articles about FR44s. I've also posted online quote links for me to run you a
quote personally, for both vehicle owners and non owners. Or if you'd like to just give me a call and talk to me personally, I've posted my number at the bottom. Thanks for watching and have a great day!
Dan Lyles is an Independent Insurance Agent serving Ohio, Indiana, Michigan, Pennsylvania, Virginia and West Virginia..