What is an "FR44 Filing"?  

An FR44 Filing is a form issued by an insurance company which removes a suspension order placed by the DMV on your driving priviledge. The filing provides a guarantee to the Virginia Department of Motor Vehicles that an insurance company has issued at least 50/100/40 liability coverage for the person making that filing; AND - that the insurance company will notify the DMV should the insurance ever lapse for any reason.

Who Needs One?

 People whose license is under suspension by the Virginia Department of Motor vehicles need an SR22 or FR44 Filing to reinstate their license. This includes, but is not limited to the following suspension reasons: drunk driving violations; more minor moving violations in one year than the law permits; suspensions from unpaid fines or parking violations; uninsured accidents; failure to comply with other DMV laws or regulations. How do I get an FR44 Filing to reactive my drivers license? You must purchase 50/100/40 liability coverage on the vehicle(s) you own. If you do not own a motor vehicle, you must purchase "non-owners" liability coverage. The price is based on the severity of your driving record (accidents and violations), where you live, and the number of years of driving experience. If you do not know what is on your driving record, purchase it from DMV (usual cost is $5.00 to $10.00 per record). Then you must purchase the proper kind of Automobile, Motorcycle, Commercial Vehicle, or Non-Owners policy. 

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Requirements may differ by state. The above information applies to the state of Virginia and may be subject to change