What should you know about the FR44 insurance policy? Find out more about the FR44 and SR22 insurance policies in the article below
The FR44 and SR22 insurance policies represent financial responsibility certifications frequently required by the state when an individual without liability insurance is involved in an accident.
Although more commonly known as SR22, the FR44 insurance rate was created to insure that the driver convicted of a DUI carries liability limits of 100/300/50.
These certificates are, as you already know, required by the state and they are provided by the auto insurance company you belong to. Furthermore, given the fact that regulations vary from state to state, not everyone needs SR22 or FR44 insurance.
Here are the situations when you will need to have SR22 or FR44 insurance:
- If you have ever been convicted of a DUI
- If you have had experience with reckless driving before
- If you have ever been in an accident caused by uninsured drivers
How do you obtain the FR44 insurance certificate?
This is usually delivered to you by the court or by a state office like the Department of Motor Vehicles or the Secretary of State, in case you have committed one of the above-mentioned offenses.
How is the FR44 different from the SR22 insurance?
Did you know that in Florida and Virginia, the FR44 certification has a separate version for those who have been convicted of more serious driving infractions. The main difference is that, in Florida the FR44 is required when a driver is guilty of a DUI.
In Virginia however, they need to file an FR44 if they are convicted of a DUI, injuring another party as a result of the DUI, driving with a license that was revoked due to a previous conviction, or violating a similar federal law or the law of another state.
If you want to find out more about SR22 and FR44 insurance quotes, be sure to contact us at sr22-fr44-insurance-florida.com.