FR-44 Filing in Norfolk

An FR-44 is a formal certificate of financial responsibility that demonstrates an individual carries elevated liability protection following major violations, particularly DUI offenses. The form is only utilized by two states: Virginia and Florida. While common web searches refer to "SR-44," the actual statutory document is the FR-44. Importantly, this document cannot be filed by a driver—it must be submitted directly to state authorities by a licensed auto insurance company.

In Virginia, drivers must carry double the standard statutory minimum liability limits. In Florida, the mandatory thresholds are $100,000 per person, $300,000 per accident for bodily injury, and $50,000 for property damage (100/300/50), in addition to required personal injury protection (PIP), held for a mandatory three-year compliance duration.

Understanding the statutory mechanics behind financial responsibility certification is essential when restoring a suspended driver's license.