Effective date: September 22, 2026
These Terms of Service ("Terms") govern your use of fr44fast.com and its city pages (the "Site"), operated by Cochran Insurance Agency, Inc. ("we," "us," or "our"). By using the Site, you agree to these Terms.
The content on this Site, including anything provided by our chat assistant, is for general informational purposes only. It does not constitute legal or insurance advice, a binding quote, or a guarantee of DMV filing acceptance. Actual coverage, filing status, and requirements are governed by the Virginia DMV and the official policy documents issued by the insurance carrier. Rates and eligibility are determined by the carrier underwriting your policy and are subject to change.
Submitting our quote form, chatting with our assistant, or speaking with us by phone does not create an insurance policy or file your FR-44 or SR-22 with the Virginia DMV. Your filing is submitted, and coverage begins, only after confirmed in writing by a licensed agent and the issuing carrier.
You agree to use the Site only for lawful purposes and not to misuse the Site, its forms, or its chat assistant, including submitting false information or attempting to interfere with the Site's operation.
We are an independent agency and compare rates across multiple third-party insurance carriers. We do not control and are not responsible for the content, accuracy, or practices of third-party websites, including the Virginia DMV's own website.
The Site's text, design, and other content are owned by Cochran Insurance Agency, Inc. or its licensors and may not be copied or reused without permission, except as necessary to view the Site in a standard web browser.
The Site is provided "as is" without warranties of any kind, express or implied. We do not guarantee the Site or chat assistant will be error-free, uninterrupted, or that any information provided is complete or current, including estimated filing timelines.
To the fullest extent permitted by law, Cochran Insurance Agency, Inc. is not liable for any indirect, incidental, or consequential damages arising from your use of the Site, including delays in DMV processing outside our control. Nothing in these Terms limits any liability that cannot be limited under applicable law.
These Terms are governed by the laws of the Commonwealth of Virginia, without regard to conflict-of-law principles.
We may update these Terms from time to time. The effective date at the top of this page reflects the most recent update. Continued use of the Site after changes means you accept the updated Terms.
FR44Fast.com, operated by Cochran Insurance Agency, Inc.
538 Piney Forest Rd, Danville, VA 24540
Phone: (866) 793-8227