Virginia FR-44 Insurance After DUI

Covers injuries you cause to others in an at-fault accident. Virginia's standard minimum is 25/50, but FR-44 filers must carry double that — 50/100 — which insurers electronically certify to the DMV. If you injure multiple people in a single crash, the $100,000 per-accident cap can be exhausted quickly, leaving personal assets exposed in tort claims.

Covers damage you cause to another person's vehicle or property. Virginia's standard minimum is $20,000, but FR-44 requires $40,000 — still insufficient if you total a new SUV or damage commercial property. This is the coverage that pays when you're at fault, and Virginia tort law means the injured party can sue you directly for amounts above your limit.

Virginia law requires insurers to offer uninsured/underinsured motorist coverage at the same limits as your liability policy unless you decline it in writing. For FR-44 filers carrying 50/100/40, this means UM/UIM is offered at those same limits. Given that approximately 12% of Virginia drivers are uninsured, this coverage protects you when an at-fault driver has no insurance or insufficient coverage to pay your medical bills and lost wages.

Provides liability-only coverage and FR-44 certification for drivers who do not own a vehicle but need license reinstatement. Virginia DMV accepts non-owner FR-44 policies for license eligibility — this is a legitimate path if you're suspended, don't own a car, and need to satisfy the 3-year filing requirement. Rates typically run $100–$175/month, lower than owner policies because there's no vehicle collision or comprehensive exposure.

Meets Virginia's 50/100/40 liability minimum for FR-44 filing with no additional coverage. This is the floor — you cannot legally carry less and maintain reinstatement eligibility.

Includes 100/300/50 liability, uninsured motorist at matching limits, and comprehensive/collision if you own a financed vehicle. Protects against tort exposure beyond the FR-44 minimum.

Adds 250/500 or 500/500 liability limits, medical payments, rental reimbursement, and roadside assistance. Best for drivers with assets to protect or those operating newer vehicles with higher replacement costs.

State-mandated certificate of financial responsibility filed by your insurer to the Virginia DMV, certifying you carry 50/100/40 liability minimums continuously for 3 years from conviction date. Any lapse, even one day, triggers automatic suspension and restarts the 3-year period.

Liability-only policy that provides FR-44 certification without requiring vehicle ownership. Covers you when driving borrowed or rental vehicles and satisfies Virginia DMV reinstatement requirements.

Pays your medical bills, lost wages, and pain and suffering when you're hit by a driver with no insurance or insufficient coverage. Virginia law requires insurers to offer UM/UIM at your liability limits unless you reject it in writing.

Covers bodily injury and property damage you cause to others in an at-fault accident. FR-44 requires 50/100/40, but many drivers carry 100/300/50 or higher to protect personal assets from tort lawsuits in Virginia's litigious insurance environment.

Pays to repair or replace your vehicle after a crash, regardless of fault. Required by lenders if you finance or lease, and often worth carrying on vehicles worth more than $5,000 even if owned outright.

Covers non-collision damage to your vehicle — theft, vandalism, hail, fire, flood, and animal strikes. Virginia sees elevated deer collision rates in rural counties and flood risk in Hampton Roads and Tidewater coastal zones.