If you do not own a vehicle and were convicted with an DUI do you still need a FR44?

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Asked July 6, 2011

1 Answer


FR44 is a financial responsibility certificate similar to an SR22, only with higher limits. It is currently used in Virginia and Florida, and may be added to other states in the near future. If your state requires you to carry an FR44, you must do so whether you own a vehicle or not.

If you do not own a vehicle but reside in a home where someone else does own a vehicle, you may need to be added to that person's insurance policy with the FR44 coverage riding on that policy.The reason for this is that statistics show that you are subject to the use of a vehicle in any household where you reside, and insurance company policies will require you to be listed even if you do not expect to drive the car.

If you do not own a vehicle or live in a home where one is owned, you are still required to carry the FR44 for the designated period of time. In this case, you can purchase a non-owners policy that maintains your financial responsibility obligations without attaching the certificate to any particular vehicle. FR44 is not an insurance policy in itself, merely a statement that you have met your financial responsibilities in regards to the laws of your state, and carrying an FR44 is independent of whether you actually own or drive a vehicle at all.

Failure to carry an FR44 certificate as required by law could result in further suspension or revocation of your driving privilege along with other fines or penalties as dictated by your state of residence and the sate in which you were convicted of the DUI. Additionally, if you allow an FR44 to lapse, the term of the requirement may be extended for a longer period of time, resulting in greater expenses over a longer period of time because you are considered to be in contempt of the law. Whether you own or drive a vehicle, it is in your best interest to conform to the your legal obligations and carry the FR44 for the full term of the requirement, usually 1 to 3 years.

Answered July 6, 2011 by Anonymous

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