Anyone who’s ever gone through the process of getting a DUI knows all about FR-44 insurance. Ask somebody you know who has gotten a DUI what the worst part about all of it was – most likely, they’ll cringe and say with a grimace, “my FR-44 insurance.”
What Is FR-44 Insurance?
FR-44 insurance, otherwise called a Certificate of Financial Responsibility, is a form provided by your insurance company to your state’s DMV and can be either court-ordered or mandated by your state’s laws. An FR44 filing is similar to SR 22 that’s used in other states, except that it may indicate that you maintain more than just the minimum amount of coverage required by your state. As long as your insurance policy is current and active, your FR-44 insurance is valid. However, if you fall behind on your insurance payments, your insurance company is required to notify DMV if it cancels your coverage. If your state requires that you possess FR-44 insurance in order to have a valid license, expect to have your FR-44 and an inflated monthly insurance payment for up to 5 years. Currently, the states of Virginia and Florida require FR-44 Insurance after a DUI conviction.
How Do I Go About Getting FR-44 Insurance?
Having a DUI conviction on your driving record is one of the worst things that can happen to your insurance rates. That’s because drunk drivers are deemed extremely high risk to insurance companies and can potentially cost them lots of money in claims. If your current insurance company doesn’t drop you from coverage, you can expect a 25-60% monthly increase in your rates. You will not be able to conceal your DUI conviction from your prospective insurance carriers when you’re shopping for FR-44 insurance, nor would you want to. Typically, after your license is suspended, in order to get it back after you’ve completed your suspension, you have to prove that you have valid FR-44 insurance for your license to be reinstated.