Car Insurance FR-44
Sometimes, you may be required to obtain FR-44 document due to certain traffic violations. So, if you don’t know what it means, then you’re on the right site. Just read on to find out what a car insurance FR-44 is.
What is an SR-44?
The FR-44 is almost the same as the SR-22 financial responsibility certificate that you have to file with the state due to certain convictions. The only difference is that the FR-44 will be required after DUI convictions and it has higher limits as compared to the SR-22. Currently, the SR-44 is used only in Florida and Virginia.
Certificate of financial responsibility (FR-44)
The states of Virginia and Florida ensure that if you’re a risky driver, then you’ll carry at least the minimum auto insurance that is required by having you file the certificate of financial responsibility that is known as FR-44. It’s actually important because if you’re a high-risk driver, then it means that there is likelihood that you’ll commit other violations in future. Simply put, FR-44 is actually a form that is filled by the state on behalf of the driver by his or her car insurance provider that confirms state insurance requirements have all been met.
So, if you don’t want to bother with an FR-44, then all you need to do is to drive safely on the road and carry sufficient insurance. As I have stated before, only high-risk drivers will be required to have this requirement.
Violations that can trigger an SR-44
Its only when you’ve committed serious traffic violations is that you’ll be required to have an SR-44. For instance, in Florida, you’ll be required to have a car insurance FR-44 certification for the following convictions:
A conviction for driving a vehicle while you’re intoxicated (DWI) or driving under the influence (DUI);
A conviction for a serious traffic offense when you’re not carrying sufficient auto insurance that meet at least state minimums;
Having too much amount of tickets or excessive amount of violation points on your driving record over a specified period of time;
Any serious traffic offense that results in suspension or revocation of your driving license;
In Florida, the car insurance FR-44 became a requirement for high-risk drivers in February 2008. Those drivers convicted of a DUI in the state of Florida from October 1, 2007 were allowed to have a car insurance SR-22 up to February 1, 2008 but they had to have limits of 10/20/10. From February 2, 2008, all drivers in Florida who had been convicted of a DUI were required by the state to raise their liability limits.
The Florida car insurance FR-44 liability limits requirements are higher as compared to that of Virginia FR-44. Precisely, its liability limits requirements stand in the amount of 100/300/50. Again, 100/300, which are the first two numbers stand for per person as well as per accident maximum amount for every bodily injury liability while (50), the third number, stands for the maximum amount for property damage liability. In Florida, a driver is required to have all these required liability limits. However, you can always avoid the hustle of having to obtain a car insurance FR-44 by driving safely and making sure that you carry sufficient insurance.
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