What Is FR-44 Insurance and Who Needs It?

FR-44 insurance is a specialized form of financial responsibility required after specific serious driving offenses.

Understanding FR-44 Insurance

An FR-44 is a certificate of financial responsibility, not a standalone insurance policy, which is attached to a regular auto insurance policy. This document is required to prove that a driver maintains a specific level of liability insurance. States typically mandate an FR-44 after convictions for serious traffic offenses, such as driving under the influence (DUI) or driving while intoxicated (DWI).

FR-44 Coverage Requirements

FR-44 insurance mandates significantly higher liability coverage limits compared to standard state minimums. For instance, in some states, the minimum coverage for bodily injury liability might be $100,000 per person and $300,000 per accident, with property damage liability at $50,000.

Drivers are required to maintain this elevated coverage continuously for a period of at least three years. This duration typically begins from the date of conviction or license reinstatement. A lapse in this continuous coverage can lead to severe penalties, including the suspension of driving privileges and a potential reset of the required filing period.

Obtaining and Maintaining FR-44 Coverage

Obtaining FR-44 coverage involves working with a standard auto insurance provider and informing them of the specific FR-44 requirement. Not all insurance companies offer policies for drivers needing an FR-44, so it is important to find one that does. Due to the increased risk associated with the offenses that trigger an FR-44, insurance premiums are typically much higher than standard rates. Drivers should be prepared for significantly increased costs and may need to pay for several months of coverage upfront.

Once a compliant policy is purchased, the insurance company is responsible for electronically filing the FR-44 certificate directly with the relevant state’s Department of Motor Vehicles (DMV) or equivalent agency. This electronic submission confirms that the driver has met the heightened financial responsibility requirements.

Maintaining continuous coverage is paramount for the entire duration of the requirement. A lapse in FR-44 coverage, even for a single day, will result in the insurance company notifying the state, which can lead to immediate license suspension and potentially vehicle registration suspension. Drivers may also face fines and reinstatement fees ranging from $150 to $500 to regain their driving privileges.