What is an FR44?
FR-44/FR-46 Financial Responsibility Certification
FR-44 certification is required for the following convictions:
- Maiming while under the influence
- Driving while under the influence of intoxicants or drugs
- 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:
- Bodily injury/death of one person $50,000
- Bodily injury/death of two or more persons $100,000
- Property damage $40,000
The FR-44 double minimum coverage requirements apply to customers convicted of the above violations on or after January 1, 2008, as well as customers previously convicted of these violations who are required to file an SR-22 certification after December 31, 2008. If you reside outside Virginia, you may submit a letter on your insurance provider's letterhead stating the double minimum coverage amounts.
DMV placed a driver's license STOP on the record of anyone who did not comply with this requirement by filing an FR-44 certification prior to January 1st, 2009. The STOP prevents customers from performing any driver transactions (such as renewing a driver's license), but does not affect the customer's ability to register vehicles.
Electronic Filing
Electronic filing of financial responsibility certifications with DMV means faster and more efficient service for you and immediate and accurate service for your customers. Use the Internet to place your customer's financial responsibility certifications directly on their DMV record. By filing electronically, you enjoy the benefits of eliminating the paperwork and filing.
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