What happens if my FR44 lapses or gets canceled?
Direct Answer
The consequences are identical to an SR22 lapse — your carrier notifies the state, your license is re-suspended, and your 3-year filing requirement may reset to day one. With FR44's higher premiums, the financial cost of restarting is even greater.
What Happens
When your FR44 policy lapses or cancels:
- Your carrier files a notice with the Florida DHSMV (or Virginia DMV)
- The state re-suspends your driver's license
- Your 3-year filing requirement may reset completely
- You must go through the reinstatement process again — including any fees
The True Cost of a Lapse
A single missed payment doesn't just cost you a late fee. It can mean:
- Years added to your filing requirement
- Additional reinstatement fees paid to the state
- A period of driving without a valid license (risking further violations)
- Higher premiums when you re-apply, since you now have a lapse on your record
Set up autopay. If your FR44 has already lapsed, call (855) 678-6977 — we can get you re-filed the same day.
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