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Hello! I’m Dan Lyles with Lyles Insurance. This video is going to cover frequently asked questions regarding Virginia FR44 auto insurance.
If the Virginia DMV has suspended your license, they might require you to carry an FR44 filing on your auto insurance. This is usually the last step that you need to take before having your driver’s license reinstated. And this video is going to go over what you need to know and answer some questions about how to set up a policy.
So let’s start by answering the question, what is an FR44 state filing? Contrary to popular belief, an FR44 filing is not auto insurance or any other type of insurance. It’s just a state filing that attaches onto an auto insurance policy. And what it does, it’s a guarantee to the Virginia DMV that you’re keeping this policy active during the time period that you’re required to carry an FR44.
What does an FR44 state filing do? The best way to think of it is like a “tattletale”. If you ever cancel or lapse on your policy that has an FR44 attached to it, the auto insurance company is required by law to notify the DMV.
Once this happens to where your auto insurance company notifies the Virginia DMV, your license will be suspended again until you either reinstate your policy or start a new one with another FR44 attached. And also keep in mind, if this happens, you may also get hit with another reinstatement fee. Virginia is very strict about that. And if you have a habit of canceling on your policy, that’s going to really get costly and add up.
What coverage do I need? Well this is very simple. There’s only one coverage requirement for an FR44. You need to carry at least double the state minimum liability coverage required. In Virginia, the state minimum liability requirement is 25/50/20. So you need to carry at least double that, which is 50/100/40 in liability coverage. That is all that the DMV cares about. You are free to choose whatever levels of coverage you want for the other parts of your policy.
What type of policy do I need? Again, this is very simple also. If you own a vehicle or have a vehicle registered in your name, you simply need a regular auto insurance policy with an FR44 filing attached to it. For those of you who do not own a vehicle, you need to take out what is called a named operator auto insurance policy, and attach the FR44 filing onto it. It’s that simple!
Where’s the best place to find an FR44 attached policy? Your best bet is to go through an independent insurance agent, preferably one that specializes in FR44 and SR22 auto insurance. You’re going to find that many companies either won’t write FR44’s, or if they do, they charge an arm and a leg for it! There are plenty of companies however that will rate FR44’s that are much more price friendly. I happen to carry a few myself. And when you go through an independent agent, you get an added bonus because you can get quotes from multiple companies at once, which gives you a much better chance of finding an affordable rate.
If you would like for me to personally run you a quote, I will be very happy to do so. I’ve posted two links directly to my website where you can get an online quote. I will also post those links below the video to make it easy for you to click on. Or if you would rather get a quote by phone, I’ve also listed my phone number. 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..