The Virginia DMV requires drivers to carry an FR44 state auto insurance filing if they've had their license suspended for DUI or various other reasons. Getting an FR44 state filing is easy to buy online. But there are some key things that you need to be aware of to make sure you're buying the right type of policy that you need. This article will help you understand what you need to know and how to go about getting the right type of coverage you need at the lowest possible price.
What is an FR44?
An FR44 is not auto insurance. An FR44 is a state filing that attaches onto some type of auto insurance policy. It is a guarantee to the state DMV that you're carrying continuous auto insurance liability coverage. Thank of it as a tattletale attachment. If an auto insurance policy that has an FR44 attached to it ever lapses, expires or cancels, the auto insurance company is required by law to notify the Virginia DMV, and your license once again will be suspended until another FR44 is active, or the old one is reinstated.
What's the difference between an FR44 and an SR22?
You are probably more familiar with the term SR22 because it is more common. Many states have SR22 state filings. However only Virginia and Florida have the FR44 filing. So there's not as much information about FR44's as their are SR22's online.
An FR44 works exactly the same way as an SR22 does. The only difference between the two is that an SR22 requires at least state minimum liability auto insurance coverage. An FR44 requires double that amount of coverage in Virginia. Other than that there is no difference between an FR44 and an SR22. It just boils down to which type of filing you're required to carry, and the level of liability coverage needed. An SR22 in Virginia requires at least 25/50/20 in liability coverage. An FR44 in Virginia requires at least 50/100/40 in liability coverage.
How do I set up an FR44?
This is very simple but important:
If you own a vehicle or have a registered vehicle in your name, then you need to attach the FR44 onto a regular auto insurance policy.
If you do not own a vehicle, then you need to attach the FR44 on to what's known as a named operators policy a.k.a. non-owners policy.
Buying an FR44 Policy Online: Where to look and where not to look.
The most challenging part of finding a policy is finding a company that is both FR44 friendly, and offered at an affordable rate. Many companies won't even write state filings such as FR44's or SR22's. Getting your policy at the right price means looking in the right place. Here are some things to look for things to stay away from:
Summary: There is no instruction manual for buying an auto insurance policy with an FR44 attached. That's why so many drivers either buy the wrong policy, have the wrong coverage, or pay way more in premium than they should be. Using the guidelines above will help point you in the right direction. If you have any questions, feel free to give me a call, or drop me an email. I will be happy to answer any questions you have.
If you would like to get a quote with several companies at once who are FR44 friendly, I will be happy to help you with that also. Click on the top link below if you own a vehicle. Click on the bottom link if you do not own a vehicle. And as always, I handle all quotes personally and privately.
Click here for an FR44 quote if you own a vehicle.
Click here for an FR44 quote if you do not own a vehicle
Virginia FR44 Insurance Filing Requirements and Online Buying Guide
Where can I find the cheapest Virginia FR44 Auto Insurance Filing with a DUI on my record?
Dan Lyles is an Independent Insurance Agent serving Ohio, Indiana, Michigan, Pennsylvania, Virginia and West Virginia..