FMFR: Failure to Maintain Financial Responsibility

Failure to maintain financial responsibility can have serious consequences. If you receive more than one conviction for FMFR, it will result in the suspension of your driver’s license. Furthermore, failure to have liability insurance makes you responsible for any and all costs associated with an accident. It is important to maintain insurance on your vehicle at all times.

If you are issued a citation for no insurance or failure to present proof of financial responsibility, you must present proof of the insurance coverage to the court within the 15 days appearance in order to have the citation dismissed by the Judge. Any other ticket  dismissal will require an appearance in court. I myself am guilty of this offense. I once received three citations in one stop for speeding, no driver’s license, and no insurance.

I did have a driver’s license and I also had insurance but, I lost my wallet and removed my insurance card from the car for some odd reason. When I went to court for the citations I was ordered to provide proof of insurance as well as my driver’s license. I was then ordered to take a state approved defensive driving course to have the speeding ticket dismissed.