FR-44 Insurance in Richmond, Virginia


Financial Responsibility Certification for DUI and DWI Violations

At Bailey Insurance Agency, we won't refuse you coverage for a less than perfect record. Notify us if you have a drug or alcohol related driving offense. We can help you determine what kind of coverage you need for your circumstances.
The state of Virginia requires a special Financial Responsibility Certification form for drivers who have a DUI or DWI violation, the FR-44. Because you may now be considered a “high risk” driver, Virginia law requires higher liability coverage than the state minimum for your auto insurance.

FR-44 Insurance Coverage Requirements

  • $40,000 property damage coverage
  • $50,000 bodily injury or death coverage
  • $100,000 bodily injury or death coverage for two or more persons
Failure to complete an FR-44 can result in the loss of your driver's license. We can help you determine what coverage and what certification is right for you, whether you need the SR-22, FR-44, or a non-owners FR-44 certification (if you don't own a car, but need to maintain your driver's license). We will make sure that the proper filing is submitted to the state.
You may need FR-44 insurance if you've been convicted of the following:
  • Driving under the influence of drugs or alcohol
  • Driving with a forfeited license from a previous conviction
  • Causing someone to be maimed while under the influence
  • Violation of any federal law, other state law or local ordinance related to the above