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What Is FR44 Insurance?

WHAT IS FR44 INSURANCE?

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FR-44 also know as a financial responsibility form is similar to an SR-22 that you are required to obtain after certain convictions in order to regain your driving privileges. However, an FR-44 is usually required after a DUI conviction(s) has higher limits than the SR-22.

 

FR-44 certification is often required for the following convictions:

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  • Driving while under the influence.

  • Driving while under the influence of intoxicants or drugs (DUI or DWI)

  • Driving while the driver's license has been forfeited for a conviction, or finding of not innocent in the case of a juvenile

  • Violation of the provisions of any federal law or law of any other state or any valid local ordinance similar to the above

FR-44 liability insurance coverage limits are double the SR-22 insurance coverage limits and are 50/100/40 or 100/300/50 which stands for:​

  • 100/300/50 (Florida FR44 Requirements)

    • Coverage of $100,000 for bodily injury/death of one person

    • Coverage of $300,000 for bodily injury/death of two or more persons

    • Coverage of $50,000 for property damage​

  • 50/100/40 (Virginia FR44 Requirements)

    • Coverage of $50,000 for bodily injury/death of one person

    • Coverage of $100,000 for bodily injury/death of two or more persons

    • Coverage of $40,000 for property damage

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