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WHAT IS A FAILURE TO MAINTAIN FINANCIAL RESPONSIBILITY (FMFR) TICKET?

A failure to maintain financial responsibility (FMFR) citation is the legal term for a no insurance ticket.  An FMFR ticket is issued when you are pulled over, or involved in an accident, and cannot produce proof that you are not covered by an insurance policy that has the minimum amount of state required insurance for the vehicle you are driving.

PENALTIES FOR A FAILURE TO MAINTAIN FINANCIAL RESPONSIBILITY (FMFR) TICKET

A failure to maintain financial responsibility (FMFR) citation is a fine only offense, meaning you cannot be sentenced to jail as a part of your punishment. The fine for a failure to maintain financial responsibility (FMFR) starts at $175 and can go as high as $1,000.  The fine does not include court costs.

In addition to fines and court costs, the Texas Department of Public Safety (DPS) will access a surcharge if you are convicted on a failure to maintain financial responsibility (FMFR) citation. The surcharge is $250 per year for three consecutive years, with a  total of $750. Failure to pay the surcharges within 30 days after notice is sent by DPS will result in the revocation of your Texas driving license until the surcharges are paid or you are current on a payment plan.

In addition to the surcharges, fine and court costs, you will be required to have an SR22 insurance policy for three years to keep your Texas driving license. SR22 is a financial responsibility insurance certificate that verifies that the holder maintains auto insurance. An SR22 policy usually costs more than a traditional insurance policy.

As you can see, a conviction on a single no insurance citation can cost you thousands. If you just pay your fine, you will pay an expensive surcharge and have to get expensive insurance just to keep your Texas Driving license. 

HOW AN ATTORNEY CAN HELP

As you can see from the penalties, a failure to maintain financial responsibility (FMFR) citation can become VERY expensive. The experienced traffic ticket attorneys at Hawkins & Walker, PC have handled hundreds of no insurance tickets and we have solutions to either get an FMFR ticket dismissed outright or reduce or eliminate the penalties above.

If you had insurance at the time of the violation, we can get the ticket dismissed. In some cases, we can get the ticket dismissed outright even without proof of insurance at the time of the violation. If we cannot get the violation dismissed outright, our traffic ticket attorneys can usually get a failure to maintain financial responsibility (FMFR) dismissed through a probation offer, often with a reduced fine. Completion of the probation offer will result in dismissal and avoid surcharges and the need to get an SR22 policy. In most cases our traffic ticket attorneys can handle your FMFR citation without  you having to come to our office or appear in court.

When you consider the value of your time and the potential savings in both a fine reduction and avoiding the "hidden costs" of an FMFR ticket, the traffic ticket attorneys at Hawkins & Walker typically pay for themselves many times over. 


Schedule a Free, Confidential Case Evaluation with one of our award-winning traffic ticket attorneys. 

If you have been charged with a no insurance (FMFR) citation in Fort Worth, Arlington, Dallas or one of the surrounding cities, a criminal defense attorney at Hawkins & Walker is ready to help you with legal advice and representation.

Call 817.877.3355 or click the contact button below to start fighting your ticket now.

 

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