Life is "one big hassle" for a driver after receiving a DUI conviction. In Florida and Virginia, the FR44 form provides proof of mandatory auto insurance for these drivers. Companies generally file (submit) form FR44 electronically, as is required in Florida, but not always immediately at point of sale. Some companies may generate a "hard copy" of the form within just a few minutes of the sale which the policyholder can physically present to the DMV.
Buying a policy from a company that quickly completes the process is helpful to drivers seeking license reinstatement a soon as possible. It is not uncommon for some companies to discourage applicants with a DUI altogether.
The first offense of DUI in Florida results in license revocation for 180 days up to one year. In Virginia, a yearlong suspension is mandatory. DUI school attendance and completion of alcohol or drug treatment is usually required. Increased liability insurance limits is mandated. The cost for a policy increases dramatically. There are fines and fees to pay as well, and social stigma can take its toll too. Subsequent offenses are significantly more severe. The fast, efficient filing of form FR44, in order to regain driving privileges, is a big relief to anyone experiencing a DUI conviction.
After a policy becomes effective, and the DMV database is updated, a driver should be able to receive their license reinstatement. The FR44 form (certificate) with its increased liability insurance requirement replaced the SR22 certificate (DUI cases only) in 2008. In Virginia the increased liability limits evidenced by FR44 is double the SR22 limits. In Florida, the additional coverage is ten times. Failure to maintain FR44 auto insurance during the compliance period (three years) will result in license and vehicle registration suspension. The success of FR44 insurance in Florida and Virginia will likely influence other states to adopt this mandate for their DUI drivers.
Life is full of challenges and unexpected obstacles. Form FR44 for DUI drivers does not have to be one of them. Choose a company that files instantly, and can provide you with an actual physical copy, in order to reinstate your license as soon as possible.
