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FINANCIAL RESPONSIBILITY RULES

Any driver or owner who fails to show FR coverage will - 

  • lose his or her license for 90 days on the first offense; one year on additional offenses

  • lose his or her license plates and vehicle registration

  • pay reinstatement fees of $75 for a first offense, $250 for a second offense, and $500 for any additional offense

  • pay a $50 penalty for any failure to surrender his or her driver license, license plates or registration

  • be required to maintain special FR coverage ("high risk insurance") on file with the BMV for 5 years

No one can operate a motor vehicle without proof of insurance. To comply with the law, liability coverage of $12,500-$25,000 for personal injury or death and $7,500 for property damage is required.

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