Sometimes, we forget that driving is a privilege, not a right. We become reckless behind the wheel, and the local authorities must intervene. The Gantt Agency in Farmville, VA, can answer your questions if you need to file an FR-44 insurance form.
What is an FR-44 Insurance Form?
The state of Virginia requires drivers with a penalty to file an FR-44 insurance form every year. It is proof that you have an active auto insurance policy with the required liability coverage. Local authorities use this form of punishment for drivers who have been convicted of multiple road vehicle offenses, such as driving under the influence (DUI), driving without insurance, or serious traffic violations. You are expected to file an FR-44 insurance form or lose your driving privileges.
Usually, the penalty can be up to three years, but it may be extended for an additional year if you violate the conditions. The paperwork is submitted to your local Virginia Department of Motor Vehicles (DMV) office. State officials believe the guidelines for filing an FR-44 insurance form are the strictest penalty for repeat offenders.
Do I Need to File an FR-44 Insurance Form if I Don’t Own a Vehicle?
Penalized drivers who do not own a vehicle must still file an FR-44 insurance form. The reason is that you are classified as a high-risk driver, which affects your ability to rent a vehicle. The state of Virginia requires you to maintain a minimum level of auto insurance coverage to continue driving. The policy ensures protection for other drivers on the road. The coverage will assist in caring for injuries and repairing damage from a vehicle accident.
To ensure your driving privileges remain intact, contact the Gantt Agency in Farmville, VA. Our staff have the knowledge and experience to explain the conditions of an FR-44 insurance form. Call and schedule an appointment today.