Auto insurance with SR22 or FR44 after DWI or DUI to get license back
Auto insurance with SR22 or FR44 filing is required in most states for DWI or DUI drivers. This type of auto insurance policy is designed to meet the coverage and other requirements specific to each state. SR22 and FR44 are the names of the forms used to document and submit (file) proof of insurance compliance. This is usually the last step before convicted drivers get their license back. The process is similar everywhere with some clear differences in some states.
Each state legislature determines the requirements and their respective Department of Motor Vehicles administers the process. In 2007 and 2008, Florida and Virginia began separating DUI convictions using Form FR44 exclusively for them, while keeping the SR22 form for all other high-risk drivers. The FR44-compliant policy includes $300,000 of liability limits in Florida, while his SR22 requires $30,000. In Virginia it costs $100,000 for the FR44 and $50,000 for the SR22. Texas increased its liability requirement for its DWI drivers in 2011. Since 1980, Mothers Against Drunk Drivers (MADD) has brought this issue to the forefront and states have continually responded by doing more to deter drunk drivers and drivers.
Another trend toward deterrence has emerged due to the slow economy due to vigorous law enforcement. Local municipalities and states with declining revenues are aggressively seeking drivers to collect fines and fees. Most states are likely to continue with additional administrative and underwriting (insurance) requirements to enhance deterrence. Notable current differences between some major states include California and Florida which have a 3 year compliance period and Texas 2. New York, North Carolina, Delaware, Kentucky, Minnesota, New Mexico, Oklahoma and Pennsylvania do not require FR44 or SR22 in set. Finding out the exact requirements where you live is critical to securing a license reinstatement policy.
Florida and Virginia, the only two states that require FR44 insurance for their DUI drivers, have seen great success with this program. For a variety of reasons, it turns out that FR44 auto insurance is a benefit to everyone, including the policyholder. All states have a blood alcohol percentage of 0.08 as the standard legal limit. Likewise, FR44 insurance for DUI drivers may become a standard for all states due to its success in Florida and Virginia.
Car insurance policies from wherever you live with DUI, DWI, FR44, or SR22 are all very similar. However, the differences are critical to reinstating your license and how much you pay. Please note that the requirements change frequently for convicted drivers. An experienced independent insurance agent, licensed in your state, can explain the exact requirements needed and how much it will cost. The same agent can start the process by completing, linking and submitting an application to the insurance company. The SR22 or FR44 form is usually generated at the point of sale and submitted electronically as required in Florida. A duplicate copy can usually be given to the applicant and brought to the DMV to expedite license reinstatement.