An FR-44 insurance certificate is something you don’t really want to have to understand. But if you are required to submit an Fr-44, Official Auto Insurance can help. Let’s take a look at what it is, when you might need it, and how to get it.
What is an FR-44?
Essentially, an FR-44 is proof that you have active liability insurance. The “FR” stands for “financial responsibility. The FR-44 is similar to the SR-22, but whereas the SR-22 certifies that you have at least the state minimum levels of coverage, the FR-44 will require you to have more than the state minimums. Because you have been proven to be a risk in the past, the FR-44 is the state’s way of making sure you are covered when you start driving again.
Where is an FR-44 Sometimes Required?
Currently, the FR-44 certificate of insurance is required for some driving offenses in the states of Florida and Virginia. Other states use the SR-22 for this purpose.
When Might You Need an FR-44?
Each state has their own rules for when an FR-44 is required. But, here are some instances of driving violations that might make an FR-44 or an SR-22, necessary in any state.
- Driving under the influence
- Driving with a suspended license
- Other serious violations of federal, state, or local laws
How Much Does an FR-44 Cost?
If you are required to get an FR-44, you may find the financial requirements pretty harsh. Part of this is because you must pay for extra coverage above the state minimums. FR-44 coverage for bodily injury and property damage can be ten times the minimum requirements. And we all know that the higher your coverage limits, the more you will pay for premiums.
Some companies require FR-44 customers to pay for the complete yearly policy in full. This is so they can ensure to the state that you have one full year’s worth of coverage and can’t cancel it shortly after obtaining it.
How Do You Get an FR-44?
If you need to file an FR-44, you must go through an insurance company. And, in addition, to ensure to the state that you have purchased the required level of coverage, you can not file it on your own. It must be filed by that insurance company. Not all insurance companies handle FR-44 insurance certificates, so you may need to switch companies, or at the least, shop around.
If your regular insurance company won’t file an FR-44 for you, it might be time to find another company. The Official Auto Insurance form can help. Shopping around is the best way to find an insurance company that meets your needs, even in hard times.