Drivers in Florida or Virginia who have severe driving offenses on their record may be required to obtain an FR-44 certificate in order to operate a motor vehicle lawfully.
Keens Insurance can provide more information on requirements. Contact us for details.
What Is an FR-44 Certificate?
An FR-44 certificate, or financial responsibility certificate, is a form your insurance company files with the appropriate government office (e.g., the department of motor vehicles). It verifies you are carrying auto liability insurance that meets the state’s required minimums.
Typically, these minimum amounts are higher than the state’s standard required minimums and the amounts associated with an SR-22 form, which is a separate document demonstrating financial responsibility used in different circumstances. This is due to the seriousness of the driving offenses that require an individual to obtain an FR-44.
Who Needs an FR-44 Certificate?
Laws vary, and for the most up-to-date information, check with your state’s requirements. Generally, individuals who need an FR-44 certificate have a severe driving offense on their record. Individuals typically receive a notice that they must file an FR-44 before being able to drive again legally. This requirement may be mandated regardless of whether an individual owns a car.
Our knowledgeable team can answer questions about FR-44 certificates and how they work with auto insurance. Contact Keens Insurance for additional information.