Everything You Need to Know About FR44 Insurance in Virginia

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Getting a driving under the influence (DUI) conviction in Virginia can have serious consequences. One such consequence is the requirement for FR44 Insurance before driving privileges are reinstated. This type of insurance is not well-known, and therefore, often misunderstood. This article will address what FR44 Insurance is, why it is required in Virginia, how it works, who needs it, and what to expect when you get it.

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What is FR44 Insurance?

FR44 Insurance is a type of car insurance that meets a higher liability requirement than typical car insurance. The policy must meet the Virginia Department of Motor Vehicles (DMV) requirements for liability limits of 50/100/40. This means the policy will cover up to $50,000 worth of bodily injury per person, $100,000 for injury or death to more than one person, and $40,000 for property damage.

This type of insurance is required for drivers who have been convicted of a DUI in Virginia. It is also required for drivers who have been found guilty of driving without insurance, driving on a suspended license, or who have been involved in a serious accident that resulted in bodily injury or death.

Why is FR44 Insurance Required in Virginia?

FR44 Insurance is required in Virginia as a way for the state to ensure that drivers who have been convicted of a DUI have adequate insurance coverage in case they cause an accident while driving under the influence again. The state wants to make sure that if a driver causes harm to others, there is enough insurance coverage to compensate the victims.

How Does FR44 Insurance Work?

FR44 Insurance works like any other type of car insurance policy. The driver pays a premium to the insurance company for coverage. The policy will cover up to the liability limits required by the DMV. If the driver causes an accident while driving under the influence, the insurance company will pay for the damages up to the liability limits of the policy. If the damages exceed the liability limits of the policy, the driver will be responsible for paying the remaining balance.

Who Needs FR44 Insurance?

FR44 Insurance is required for drivers who have been convicted of a DUI in Virginia. It is also required for drivers who have been found guilty of driving without insurance, driving on a suspended license, or who have been involved in a serious accident that resulted in bodily injury or death.

What to Expect When You Get FR44 Insurance?

When you get FR44 Insurance, you can expect to pay higher premiums than you would for typical car insurance. The premiums for FR44 Insurance are higher because the liability limits are higher. You may also be required to pay a fee to the DMV to have your driving privileges reinstated. This fee is separate from the cost of the insurance policy.

You will need to maintain your FR44 Insurance policy for three years from the date of your conviction. If you cancel your policy or let it lapse during this time, your driving privileges will be suspended again, and you will need to start the process over.

FAQ About FR44 Insurance in Virginia

Question
Answer
What is the minimum liability coverage for FR44 Insurance in Virginia?
The minimum liability coverage for FR44 Insurance in Virginia is 50/100/40.
How long do I need to maintain FR44 Insurance?
You need to maintain your FR44 Insurance policy for three years from the date of your conviction.
Can I get FR44 Insurance if I don’t own a car?
Yes, you can get FR44 Insurance if you don’t own a car. You can get a non-owner policy that will cover the liability limits required by the DMV.
Do all insurance companies offer FR44 Insurance?
No, not all insurance companies offer FR44 Insurance. You will need to find an insurance company that offers this type of policy.
Will my insurance rates go down after I complete my FR44 Insurance requirement?
It depends on the insurance company. Some insurance companies will lower rates after the completion of an FR44 Insurance requirement, while others may not.

The Bottom Line

FR44 Insurance is required for drivers who have been convicted of a DUI in Virginia. It is a type of car insurance policy that meets higher liability requirements than typical car insurance. Those who need FR44 Insurance can expect to pay higher premiums than they would for typical car insurance. It is important to maintain your FR44 Insurance policy for three years from the date of your conviction to avoid having your driving privileges suspended again.

If you have been convicted of a DUI in Virginia and need to obtain FR44 Insurance, it is advisable to work with an insurance agent who has experience with this type of policy. They can guide you through the process and help you find the best policy for your needs.

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