What is a Virginia FR44 Auto Insurance filing?
An FR44 auto insurance filing is a rare form of state filing (only Virginia and Florida have them) that drivers need to have attached to their auto insurance policy in order to keep their driver’s license valid.
Most drivers are required to carry an FR44 filing after getting a DUI, or some other type of criminal charge. An FR44 simply attaches onto your auto insurance policy and acts as a “tattle-tale”….
That is, if an auto insurance policy that has an FR44 attached to it ever cancels, the auto insurance company is required by law to “tattle” on you to the Virginia DMV. When this happens, your driver’s license will be suspended again until you start another active FR44 attached policy (and you will likely get hit with another reinstatement fee also).
What’s the difference between an FR44 filing and an SR22 filing?
The only difference between the two is that with a SR22 filing, you must carry at least the Virginia state minimum liability level of coverage, which is 25/50/20. With an FR44 filing, you are required to carry at least DOUBLE the Virginia state minimum liability coverage, which is 50/100/40…. Other than that there is no difference between the two. They work exactly the same other than the FR44 having the higher liability requirement.
How long do I have to carry an FR44 filing?
For the vast majority of drivers, you will need to keep the FR44 active for three years… But this could be more or less, especially if it was court ordered.
If you own a vehicle, Click here to get a Virgina FR44 Auto Insurance quote.
If you do NOT own a vehicle, Click here to get a Virginia Named Operator FR44 quote.