FR-44 Insurance: A Guide Of Common Faqs

After I was involved in a large auto accident a few years ago, I realized that I was about to become innately familiar with the claims process. Sure enough, within a few months I started to receive paperwork regarding my accident, and it was really interesting to see how my insurance company handled things. I was able to save a tremendous amount of money by talking with agents about covered and non-covered claims, and it really opened up my eyes about the entire insurance coverage process. Check out this blog for great tips on saving money, living better, and receiving the coverage you need.

FR-44 Insurance: A Guide Of Common Faqs

16 December 2017
 Categories: Insurance, Blog

It is no secret that car insurance is a legal requirement in most states, to some degree or another. However, just having auto insurance alone is not always enough to prove to the court system that you are being a responsible driver. In fact, in some situations, the law will require that you obtain a Certificate of Financial Responsibility, which will prove that you do have car insurance and you are making the payments on your premium. In some states, this Certificate of Financial Responsibility is referred to simply as an FR-44. Here is a look at some of the most common questions about the FR-44 and the answers you need to know. 

Who needs an FR-44 form from their insurance provider?

There can be a handful of reasons why an automobile owner would be required by law to obtain an FR-44. Perhaps the most common reason for this requirement is that the driver has been previously charged with not carrying the appropriate level of car insurance. However, an FR-44 may also be required if you have been charged with other crimes, like driving under the influence or reckless driving. 

Does it cost anything to get an FR-44 form?

It will depend on your insurer and the state where you live as to how much of a fee you will have to pay to get your FR-44. Some insurers do charge a filing fee when they have to file one of these forms on your behalf. 

Will you get a copy of the FR-44?

When you ask your insurance company to file an FR-44 on your behalf with the governing state agency where you live, you will typically be given a copy of the certification for your own records. Beyond this original copy, you may have to pay a fee to get new copies down the road. 

How long does the FR-44 last?

Because the FR-44 is picked up when you buy a new insurance policy, it should remain effective throughout the duration of the policy with the specific coverage provider. If you switch insurance companies or there is a lapse in your current coverage with the same provider, the FR-44 may have to be filed again, and you may be responsible for paying new filing fees as well. However, some states will require that you file a new FR-44 annually or at certain times of the year, so keep that in mind. 

Contact an agency, like Livings Insurance, for more help.