What is FR-44 Insurance in Virginia?
FR-44 insurance is often called DUI insurance. If you are charged with a DUI, you will need to get an FR-44 filing. “FR 44” simply refers to form FR 44. The Virginia Department of Motor Vehicles (DMV) will require your insurance company to submit the FR 44. If the form is not submitted, you cannot legally drive in Virginia.
This is similar to an SR-22; however, it has the additional requirement that you must carry additional minimum liabilities on your policy.
The FR 44 limits are:
- Bodily injury/death of one person $50,000
- Bodily injury/death of two or more persons $100,000
- Property damage $40,000
- How long do I have to have FR 44?
The Code requires you to carry FR 44 for 3 years after your license revocation is over. For a DWI 1st, you would need to have FR 44 for 4 years: 1 year for the time you have a restricted license + 3 years after the revocation is over.
The idea behind this type of filing is due to statistics that show drivers who drive drunk are likely to do it again. Since drunk driving can have severe consequences, the higher liability will provide a little more help to the other party if the DUI driver hits another car and causes injury.
FR 44 ensures that you are insured and that you stay insured with enough liability insurance since you are now considered a “high risk” driver. By way of completing this form, your insurance company will know about your conviction. Also, you will need to get “non-owners FR 44” insurance even though you do not have a car. If you don’t get it, you will lose your license.
IFR 44 insurance can be expensive. Rates very among insurance companies.
If you or a family member has been injured in an accident caused by another person, it might be a good idea to consult an experience personal injury attorney. We will tenaciously represent you and work to get you the maximum amount you deserve. Please contact Kalfus & Nachman today by calling (855) 880-8163. We are proud to serve the communities of Norfolk, Newport News, and Roanoke, Virginia.