Auto Insurance Questions & Answers
What Should I Know about FR-44 Auto Insurance?
In the world of auto-related abbreviations, the FR-44 seems like just another combination of random characters. It holds much more meaning than that, however. The FR-44 comes into play after a driver gets certain convictions. If you have received any of these convictions then it's likely that you about the FR-44; however, you may not know exactly how it works. This article is meant to provide basic information, so that you can find the most affordable auto insurance options with an FR-44.
What convictions necessitate the FR-44?
There are a number of convictions that make the FR-44 necessary. It is important to first note that the FR-44 is presently utilized in Virginia and Florida. The specific guidelines as set by the VA Department of Motor Vehicles is that the FR-44 is required for those convicted with maiming while under the influence or with driving while under the influence of intoxicants or drugs.
Its necessity also extends to those convicted of driving while their driver's license has been forfeited because of any conviction or, for minors, being found not innocent. Additionally, it is needed when there has been a violation of the provisions of any federal law, state, law, or city ordinance that pertains to matters concerning convictions resembling those listed previously.
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What are the FR-44 liability auto insurance coverage limits?
The FR-44 liability auto insurance coverage limits follow a 50/100/40 formula. This means that the coverage is bodily injury/death of one person amounting to $50,000, bodily injury/death of two persons amounting to $100,000, and property damage amounting to $40,000. These liability auto insurance coverage limits apply to anyone who has received any of the aforementioned convictions, and the requirements may or may not exceed the state liability requirements for standard coverage.
In the end, the FR-44 is a form that demonstrates the financial responsibility of an individual who has been convicted of a certain list of offenses. It demonstrates to the Department of Motor Vehicles that the required amounts of coverage have, in fact, been purchased by this individual. Without it, an individual would lose the privileges to drive, register vehicles, and obtain decals within Virginia and Florida. This is why the FR-44 is so important.