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Tag Archives: virginia fr44

Florida FR44 Or Virginia FR44 – Non-Owner and Owner Policies

What Is An FR44?

In some states, such as Virginia and Florida, an FR44 Filing may be required when you have a DUI / DWI / OVWI or other alcohol related violation. An FR44 filing is similar in theory to an SR 22, except that it may indicate that you maintain more than just the minimum amount of coverage required by the state requesting it.

If you need an FR44, you will likely be required to purchase more than just the minimum amount of liability insurance.  Our agents can help you to determine what the requirements for insurance are for your state, based on your situation.  Depending on the sate in which you reside, we will help you to determine which form to use, either the SR22 or FR44.

Cheap Florida FR44 Insurance, Cheap Virginia FR44 Insurance

The terms “SR22 insurance” and “FR44 insurance”, much like “DUI Insurance”, are used by the general public, but are not official types of insurance.  Our agency helps with auto insurance for people who have a DUI or DWI on their records, as well as adding an SR22 or FR44 Filing to the insurance policy.  When you contact us, we can help explain in better detail what these terms mean.

What information do I need?

In many situations you may receive a case number.  This is usually a 9 digit number (no letters). Please make sure to provide us with your case number so that we can have the FR44 form issued correctly.  If you have your DUI / DWI conviction date available, that would be helpful as well.

To obtain an estimate for the price of insurance with an FR44 only takes a few moments.  When you are ready to purchase your insurance, we can provide you with a new temporary ID card and FR44 in the same day.

How can www.SR22Coverage.com help me?

We shop a variety on insurance carriers in over 39 states to help you compare the rates and coverage options so that you can choose the price and amount of coverage that works for you.  Immediate quotes are available for SR22’s or FR44’s.  Our licensed insurance professionals work hard to understand your needs and to be here for you.

Partial Article Information Obtained From: http://www.stratumins.com/dui/what_is_an_fr44.htm

Florida FR44 Insurance – How to file, what to do and how to get it cheap

If you’ve been convicted of a DUI in Florida, you’ll be required to obtain two insurance-related certificates in order to regain your driving privileges. These are the national SR-22 form and the lesser-known FR-44 form. While the procedure for obtaining the former has been documented exhaustively in print and online, there’s far less information available about the latter. Since the FR-44 is a Florida-specific document that has few analogs elsewhere in the United States, it can be difficult to find reliable advice about procuring one. Fortunately, it’s not difficult to file an FR-44. Once you’ve done so, you’ll be able to source insurance quotes from a range of providers.

First, it’s crucial to recognize the differences between the SR-22 and the FR-44. As a resident of a state that requires drivers to file an FR-44 form, such as Florida and Virginia, you’ll most likely be required to pay upfront for your insurance coverage. In fact, Florida law prohibits insurers from charging monthly premiums on FR-44 policies, which is more of a reason the insurance company will not “bend” on their billing options . This restriction is designed to protect the financial health of the insurers that operate the state and penalize DUI-convicted drivers in equal measure.

Unfortunately, the high cost of FR-44 policies means that this requirement will force you to make a substantial outlay in most cases, before getting back behind the wheel of your car. To make matters worse, Florida is notorious for its high insurance rates. After your DUI, it’s likely that your already-high auto insurance premiums will double overnight. Even if you have an impeccable driving record, you might be unable to find an FR-44 insurance policy that costs less than $2,500 per year.   Additionally, you may have to pay for your policy in six-month increments.  If you have a new or financed vehicle, this is especially likely. Given the constraints of the “paid-in-full” rule issued by Florida’s insurance regulators, many insurance companies prefer to shorten the effective periods of their high-risk policies. Frequent renewals permit these companies to account for any changes in a driver’s accident history, criminal status or credit profile. What’s more, this arrangement enables DUI-convicted drivers to make smaller insurance outlays and put more of their hard-earned funds toward other DUI-related expenses.  Select Insurance Group can help with minimizing these daunting prices, as we shop and compare multiple insurance companies that specifically work with high-risk customers.  Many times we can find an adequate rate that is 1/4 of the cost of most of the “shopping” you will see out there and even offer insurance financing on some occasions.

 

Call us at 855-GET-SELECT or (855-438-7353) or request a FREE QUOTE online from one of our licensed insurance specialists!