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What do you know about FR-44 certification?

On Behalf of | Sep 25, 2020 | Traffic Offenses

While adjusting to your new life after receiving a DUI, you may learn that you need a new type of car insurance. In Virginia, you need a special financial responsibility certification called “FR-44” that demonstrates that you have proper liability coverage for your auto insurance. 

Allstate takes a deep dive into this certification type. Learn how long you must have it and when you must have it. 

FR-44 requirements and definition

Known as “SR-22” in other states, Virginia has the FR-44 financial responsibility certification for those convicted of driving while intoxicated or driving under the influence. Individuals may also need the special certification for driving with a revoked or suspended license. 

Another vital fact concerning FR-44 and SR-22 is that both are forms rather than insurance. Your car insurance provider supplies you with the special form so you can prove you have legal coverage amounts on your auto insurance policy. 

FR-44 terms

The time that you must carry FR-44 financial responsibility certification varies from state to state, but expect to need it for roughly three years. Do everything you can to prevent your insurance policy from lapsing while you need FR-44 certification. If you lose coverage, your insurance provider notifies the state. Once you have your certification, look over the requirements and terms carefully. You may lose your license if you do not satisfy your obligations. 

Say that you no longer have a car after receiving your DUI. Even then, you may still need FR-44 certification if you borrow someone’s car or rent a vehicle.