Anyone with a conviction of Driving While Intoxicated (DWI) or Driving Under the Influence (DUI) can tell you that the process is lengthy and complicated. You could face expensive fines, a DUI/DWI school program, and possibly time in jail.

The pandemic has added new difficulties to the equation. At My Florida FR44 Insurance, we’ve assembled a guide to help you understand what to expect when you get a DUI conviction during COVID-19.

A DUI/DWI Can Result in Fines, Jail Time, and More

If you’re convicted of a DUI/DWI, the severity of the penalty depends on whether you’re a first time or repeat offender.

First-Time Offenders

A first DUI offense could be punished with:

· Up to $1,000 in fines

· One year in jail

· 12 points on your driver’s license

· Six-month license suspension

A first DWI offense can include:

· Fines up to $500

· Two months in jail

· 60-day suspension of your license

· 8 points on your license

Repeat Offenders

Repeat DUI or DWI charges result in more severe sentences, depending on the circumstances of your case.

· Fines up to $3,000

· Mandatory jail time up to 10 days

· Up to 3 years in prison

· Driver’s license suspension for 18 months

· A waiting period of 24-months to reinstate your license

· One year of participation in an Ignition Interlock Program

Legal Blood Alcohol Limits Vary by State

Depending on your state of residency, the legal blood alcohol limit will vary. The federal “per se” Blood Alcohol Concentration (BAC) limit is 0.08%. Some states have lower limits, while others have zero-tolerance levels in place.

In stricter states, such as Utah, the BAC limit is 0.05%. For commercial and rideshare drivers in all states, the legal limit is also lower, at 0.04%. Underage drivers are typically considered intoxicated at levels above 0.02%. Anyone driving with a BAC above 0.15% can face enhanced penalties.

Telehealth DUI/DWI School Programs

Due to social distancing precautions, many DUI school programs are temporarily taking place remotely. These online programs allow individuals to complete the DUI/DWI school requirement on time, instead of waiting for physical program locations to reopen.

DMV-approved remote DUI/DWI classes will be available until the end of the health emergency. If you prefer to complete the course in-person, you’ll have to wait in “Leave of Absence” status indefinitely until classes can resume, but not all programs are offering this as an option.

You can speak with counselors and partake in the group or individual sessions. In addition to the standard cost of DUI/DWI school, you can expect to pay a $200 fee to enroll in a remote program.

Electronic FR44 Filing

Following a DUI/DWI charge, your state DMV or motor vehicle department will require you to show proof of FR44 Insurance. The FR44 form acts as proof of liability coverage, which you’ll need as a high-risk driver to reinstate your driving privileges. Submitting your FR44 document to the Secretary of State can take up to 30 days, and you won’t be permitted to drive until then.

Alternatively, some insurers can submit your FR44 form electronically to avoid these long waiting times. Your insurance company will provide the DMV with your proof of coverage monthly. Usually, the state will require this form for three years.

Ignition Interlock Device (IID) Restricted vs. Non-IID Restricted

Some states require drivers with a DUI/DWI to use an Ignition Interlock Device (IID) before removing a license suspension. Alternatively, an IID can allow first-time offenders to surpass the previous 30-day waiting period and regain driving privileges.

A convicted first-time offender can apply for Early Reinstatement with an IID or a restricted license following the 30-day suspension. The non-IID restricted option allows 1st-time offenders to drive to and from work, and the DUI/DWI program without an IID.

For drivers with multiple DUI violations, and in scenarios that resulted in bodily injuries, the court may issue a mandatory IID for one to four years. Drivers with IID are permitted to use their cars for purposes other than going to and from the workplace.

Most DMV’s are Open

Most DMVs are open at 50% capacity. Some DMVs are accepting walk-ins, while others are only accepting visitors by appointment. Face masks are mandatory, and patrons must adhere to social distancing requirements.

If you have questions beforehand about the requirements to reinstate your license, you can contact your local DMV via phone, or use their online form. Your license will remain suspended until you visit the DMV office and provide the requested documents.

Contacting a Lawyer is Still Vital

Every DUI or DWI case is unique and can potentially carry enormous consequences. A local DUI/DWI lawyer will have the experience and knowledge needed to assess your case and minimize the charges. Your attorney will examine the prosecution’s argument for weaknesses to negotiate shorter license suspensions and lessen the severity of your penalty.

Call My Florida FR44 Insurance for a Free consultation

All the new measures in place due to COVID-19 can delay the process of reinstating your license. At My Florida FR44 Insurance, we’re familiar with all the DMV requirements and mandatory DUI/DWI programs. We also help you find the most affordable FR44 Insurance to quickly and we’ll get you back on the road.

Hardship License Florida DUI

The Purpose of a Florida Hardship License

The State of Florida is not known for having reliable public transportation, which is why millions of residents rely on their personal cars to get around. Few people live close enough to their jobs to arrive using alternate methods of transportation like biking or walking, which makes the loss of a license one of the heaviest impacts of a DUI.

The Florida Department of Highway Safety and Motor Vehicles recognizes just how vital a driver’s license is for DUI defendants to continue to have a semblance of a normal life. After all, without getting to and from work, it becomes challenging to pay the DMV’s administrative fees and court costs. Thus, drivers have the option of applying for a hardship license, which allows them to operate a car for business or work purposes. A business purposes only license allows drivers to get to and from work, medical appointments, and locations they must drive to while on-the-clock. A work purposes only hardship license only permits work-related driving.

A Waiver Hearing Florida Hardship License Reinstatement

A Waiver Hearing allows drivers who have never been convicted of a DUI to IMMEDIATELY obtain a hardship license, if certain steps are taken within 10 days of the arrest.

If you have never been convicted of a DUI, a waiver hearing is the best means available to guarantee a hardship license and maintain your ability to drive a motor vehicle in Florida. The waiver hearing allows you to reinstate your driver’s license for the entirety of the suspension, whether it be for 6 or 12 months.  The driver’s license obtained is for business purposes only and does not give you an unlimited ability to drive.  It does, however, allow any driving related to your employment and includes other driving purposes, such as grocery shopping, doctor’s appointments, and church.

To begin the waiver process, you must first obtain a DMV waiver form, which is available legal offices who specialize in DUI’s, or by visiting the Bureau of Administrative reviews office. The next step is to enroll in what is commonly referred to as “DUI School”, which for first time offenders is a 12-hour course.  Even though the entire waiver process must be completed no later than 10 days from the date of arrest, you only have to enroll in the DUI school within that 10 day time period, which means to pay the enrollment fee and schedule the courses at a later date.  It is not necessary to have the school completed within the 10 days following the arrest.

Once you have enrolled in the DUI school, the waiver form must be properly completed and witnessed.  Once those steps are taken, the driver must then visit the Bureau of Administrative Reviews, along with proof of DUI school enrollment, to have a waiver hearing before a bureau hearing officer.  There is a $25 fee for the waiver hearing, which must be paid at the time of the hearing.  The hearing officer will determine the need for the hardship license and will normally give an immediate decision as to eligibility.

Assuming that the waiver hearing is successful, the driver is immediately approved for a hardship license.  You may then go to any local Department of Motor Vehicle office of your choosing, pay a reinstatement of fee of approximately $200. and leave with a valid Florida driver’s license.

If you are unable to get a successful waiver hearing, here are the 5 steps to apply for a hardship license.

  • Enroll in DUI school
  • Wait the required period to fill out an application: if you refused the breath test, you must wait for the first 90 days of your 1-year administrative suspension before you can apply for a hardship license. If you took the breath test and it was above 0.08%, you must wait until the first 30 days of your suspension pass
  • Bring proof of enrollment in DUI school to the DHSMV Administrative Review Office
  • Fill out the application and pay the filing fee
  • Once you are approved you will need to get an FR44 insurance policy

Not everyone who is arrested for DUI is eligible for a hardship license. It is best to discuss your eligibility with a qualified DUI attorney who can fight for you to retain your driving privilege.

Who is not eligible for a DUI hardship license in Florida?

    • Florida law prohibits any hardship license for a 2nd or subsequent suspension for breath test refusal or if the person has been convicted of DUI section 316.193 two or more times.
    • Drivers who lost their commercial driver license (CDL) cannot obtain a hardship license to operate a commercial motor vehicle.
    • Drivers charged or convicted of vehicular manslaughter or criminal vehicular manslaughter
    • Drivers with DUI serious bodily injury

Typical Penalties for DWI/DUI

Each state has its own laws regarding DUI/DWI and associated penalties. The most common penalties include:

Jail and community service. First-time offenders with a low BAC will usually have to do community service. The situation changes, even for first offenders, when human victims are involved. In this case, the felony is likely to result in jail time for the DUI driver. The length of the jail time sentence depends on the condition of the victims. The guilty driver can expect to serve several months of jail time for minor injuries like bruises, or even many years behind the bars if the victim dies because of the accident.
Fines. Depending on which state the incident happened, expect fines from as low as $500 for first-time offenders in North-Dakota, and as high as $10,000 for drivers that have children on board in Texas.
Drug and alcohol education programs. Many states offer lesser penalties to those drivers that attend these programs. In some states, participating in a drug and alcohol education course is mandatory.
AA meetings. Judges may sentence DUI drivers to participate in this type of meetings, depending on their cases.
License suspension. The majority of states will suspend a driver’s license if they fail a breathalyzer test. The suspension time vary from state to state, and it can be as low as one week to as much as one year in Georgia. Factors like, first-time offense, multiple DUI convictions, or the severity of the offense are considered when a license is suspended.
Ignition interlock device. In some states, the judges can order for an ignition interlock device to be installed in the cars of multiple offenders. This device works like a breathalyzer that doesn’t allow the car engine to start if the driver’s BAC is above a certain level.
Expensive premiums. Car insurance rates will double, or even triple. And that’s in the best case. The insurance provider can drop coverage, or it will simply not renew your policy. DUI convicts are considered a high-risk driver for the insurance companies and at least three years.

Full article here

DUI Conviction – Are you a Veteran?

DUI Conviction - Are You a Veteran???

There is a special program for Veterans charged with DUI or DWI called a Veterans Diversion Program.  This program allows a Veteran to bypass the Criminal System and go to Veterans Court instead.  Upon successful completion of the Veteran Program, your DUI or DWI can be dismissed entirely.

Please see the information we have on the Veterans Diversion Program.

If you have any questions, we are here to help!

How to reinstate your license after the first conviction for Driving Under the Influence (DUI) in Florida

A first–time DUI will result in a six-month to one-year revocation, effective on the conviction date. A first-time DUI with serious injury will result in at least a three-year revocation, effective on the conviction date.

Before the revocation period expires, the customer may apply for a hardship driver license in the county where they live. To apply for a hardship driver license the customer will need to have proof of completion from a DUI program and treatment provider, if referred by the court, and provide said proof to their local Bureau of Administrative Reviews office.

If the customer waits to reinstate his/her license until after the revocation period ends, proof of enrollment or completion of a DUI program is required. Failure to complete the course within 90 days after reinstatement will result in cancellation of the driver license until the course is completed.

At the time of reinstatement, whether for a hardship driver license or a full-privilege driver license, the customer must take all required exams and pay an administrative fee, a revocation reinstatement fee, and all license fees required. For DUI convictions on or prior to October 1, 2007, the customer must provide proof that he/she held bodily injury liability insurance in the amount of $10,000 per person, $20,000 per occurrence, and $10,000 property damage liability on the arrest date and pay the required $15 reinstatement fee. For a DUI conviction after October 1, 2007, the customer must provide proof that he/she had bodily injury liability insurance in the amount of $100,000 per person, $300,000 per occurrence, and $50,000 property damage liability. Certification of liability insurance must be in the form of an FR-44 policy which must be continuously maintained for a period of three years from the reinstatement of the DUI revocation. A reinstatement fee between $150 and $500 for subsequent violations will be required.

See also Ignition Interlock Device (IID) Requirements.

10 Drunkest Cities In Florida

Think twice before drinking and driving in any of these cities! They have the reputation of being hard drinking with drunk driving more prevalent than other areas of Florida.

Is there anything wrong with being called the drunkest city in your state?

Especially in Florida, which drinks the 13th most beer and spirits every year. It’s pretty clear that you all like to get your drink on just about every chance you can get up there in The Big Sunshine.

How do you decide how much a place drinks? By the number of available places to buy booze, and by how often people are talking about drinking, that’s how.

Plus, we thought why not add in a stereotype? Drinking is one reason for divorce, and something that divorced people do a lot of.

Using that criteria, it’s not hard to scrape the internet, run some scientific data on where partiers might live in Florida, and then put out a list.

Because, the data never lies, does it?

After analyzing all cities with a decent amount of people in them, we came up with this list as The Drunkest Cities in Florida:

Key West
Miami Beach
Panama City
Fort Lauderdale
New Smyrna Beach
Daytona Beach
Jacksonville Beach

As it turns out, many of these are coastal cities in Florida with many bars in town or nearby, where there’s a higher than average divorce rate. Studies have indicated that when one or both partners in a marriage are alcoholics, that couple is three times more likely to divorce.

Read on below to see where your town ranked.

What drunken criteria did we use?
In order to rank the drunkest cities in Florida, we had to determine what criteria defines someone who drinks a lot.

We threw a lot of criteria at this one in order to get the best, most complete results possible. Using Yelp and Sperling’s Best Places, this is the criteria we used:

Number of bars and pubs per capita
Number of wineries per capita
Number of liquor stores per capita
Each city’s drunk related tweets within the last week
Each city’s divorce rate
For geo-located tweets, we measured the following raw number of tweets that came from within a city’s general area: #Drunk, #Party, #Beer, #Wine and #Cocktails

Note: For the sake of getting reliable numbers, we counted places within a city’s border, as well as within a short driving distance.

Key West

Hog’s Breath Saloon, Key West, FL. From their Facebook page.
Population: 24,657
Divorce rate: 7th highest in Florida
Bars per capita: 1st in FL
Liquor stores per capita: 2ndBased on the data and number of raw tweets coming from your location, per capita, it sounds like Key West is having a really, really good time.We’re actually not that surprised that Key West was high on this list. The 17% divorce rate was a huge factor.Key West has the most bars per capita, and the 2nd most liquor stores in the entire state.


The gang at JDub’s Brewing Company, Sarasota, FL. From their Facebook page
Population: 52,501
Divorce rate: 16.2%
Bars per capita: 3rd in FL
Liquor stores per capita: 3rdNo wonder there are so many heavy drinkers here; 1 in 7 people are divorcees and there’s simply a ton of places to drink, especially right there along Main Street.


Miami Beach, Florida

Wet Willie’s, Miami Beach, FL. Google Maps.

Population: 88,628
Divorce rate: 16.1%
Bars per capita: 4th in FL
Liquor stores per capita: 4th

Twitter was afire with mentions of drunk related commentary, as you can imagine. In fact, Miami Beach had the 4th highest number of drunk related comments. If people weren’t actively drinking and Tweeting, they were recalling drunk moments here, or wishing they were in Miami Beach with a cocktail.

The divorce rate is really high here as well.


Flora-Bama Lounge and Package, Pensacola, FL. Google Maps

Population: 52,246
Divorce rate: 15%
Bars per capita: 7th in the state
Liquor stores per capita: 6th in FL

There are a seemingly endless number of places to drink along Palafox Street in Pensacola. And the people here sure take advantage of it. There are also lots of corner liquor stores here for those who like to drink on the streets (or in the comfort of their home).

There were a higher than average number of drunk Tweets coming from Pensacola, including these gems:

“Middle age drunk dudes on Pensacola Beach”


“Did everyone in Pensacola get drunk last night wtf “

Yes, they most likely did, random Tweeter.


Motorworks Brewing, Bradenton, FL.
Population: 50,141
Divorce rate: 15.7%
Bars per capita: 10th in the state
Liquor stores per capita: 9th

Bradenton’s city motto is, “The Friendly City.” Everyone is a lot more friendly and easy going when they’ve had lots to drink.

Bradenton is home to Tropicana, one of the largest makers of orange juice in the world. Therefore, we’re assuming there are tons of screwdrivers and fuzzy navels served from sun up to sun down.

Panama City

The Salty Goat Saloon, Panama City, FL.

Population: 36,153
Divorce rate: 17.1%
Bars per capita: 7th in the state
Liquor stores per capita: 14th

Panama City has a huge divorce rate and a lot of bars in the area, per capita. There are also lots of other corner liquor stores per capita, though not as many as in other areas of the state.

Fort Lauderdale

Fort Lauderdale Florida FR44

Sandbar, Fort Lauderdale, FL.

Population: 167,370
Divorce rate: 15.8%
Bars per capita: 12th in FL
Liquor stores per capita: 20th

Apparently Fort Lauderdale is no longer just for old people. Not that the elderly can’t throw back their share of gin and scotch. But it’s clear that there’s lots of drinking going on here when you look at the data.

Twitter backs that up. (Not that old people don’t Tweet). There were lots of mentions of being drunk in Fort Lauderdale, as well as several mentions of people going to kids birthday parties.

New Smyrna Beach

Beachside Tavern, New Smyrna Beach, FL.

Population: 22,658
Divorce rate: 15%
Bars per capita: 15th in FL
Liquor stores per capita: 11th

Public service announcement: Stay out of the roads in New Smyrna Beach. There are lots of people drinking and driving at all hours of the day. According to Twitter.

This gem was a doozy:

“Apparently a woman in New Smyrna Beach was drunk driving while breastfeeding her baby with other kids in the car. #OnlyInFlorida”

Only in Florida, indeed.

Daytona Beach

Daytona Beach Florida FR44

Boot Hill Saloon, Daytona Beach, FL. Google Maps

Population: 61,779
Divorce rate: 14.7%
Bars per capita: 9th in the state
Liquor stores per capita: 19th

Is anyone really gonna doubt that Daytona Beach is a really drunk city? There are probably people wondering why DB didn’t rank higher. According to the Orlando Sentinel, Daytona Beach is the undisputed party capital for underage drinkers.

Surprisingly, there weren’t too many mentions of Daytona Beach partying on Twitter.

Except this goodie: “There’s drunk and then there’s Daytona drunk.”


Jacksonville Beach

Jacksonville Beach Florida FR44

Lynch’s Irish Pub, Jacksonville Beach, FL. Google Maps

Population: 21,470
Divorce rate: 14%
Drunk tweets per capita: 7th in the state
Liquor stores per capita: 11th in Florida

The sheer number of bars and liquor stores are most likely a distraction, and are certainly part of the reason the divorce rate is so high here.

But you know the saying. The divorce isn’t the tragedy. The tragedy is staying married.


If you’re measuring the locations in Florida where there are a high number of divorced people, bars and liquor stores, and where people are talking about drinking the most often, this is an accurate list.

And while you might think the larger cities and college towns are ‘more drunk’ than these places, when you measure the percentage of people who have access to alcohol, and who are separated, it makes sense. Cause, the data never lies, does it?

If you’re curious enough, here are the least drunk places in Florida. Or the most sober, if you will:

  1. Keystone (Pop. 21,973)
  2. The Acreage (Pop. 38,683)
  3. Alafaya (Pop. 82,196)
  4. Four Corners (Pop. 27,264)
  5. Hunters Creek (Pop. 22,384)

To read the full article

Florida fr44 insurance no car questions florida

If you do not own a car but are required to get a Florida FR44, you may wonder “Florida fr44 insurance no car questions Florida”. We have a whole section devoted to non-owner Florida FR44 Automobile Insurance .

A Florida FR44 Non-owners Automobile Insurance Policy is substantially less money than a Florida FR44 Non-Owners Automobile Insurance Policy. One of the options that Sam Ridgeway, owner and directing manager of Florida FR44 and SR22 Insurance Experts advises is to consider an alternative to owning a car during the three year period you need to carry this insurance.

If the thought “Florida fr44 insurance no car questions Florida” has occurred to you, please call our agents and discuss the options available. You may qualify for the less expensive non-owners policy or may want to consider a motorcycle policy instead.

Our agents speak Spanish and English and are available to help you resolve this issue in the best and cheapest way possible. Fr44 & SR22 Insurance Experts has over 15 years of experience in Insurance. High Risk Insurance or FR44 and SR22 Insurance are all we do. Call and let us help you find the best solution for your needs!

What auto insurance companies do fr44 in florida?

A very common question when faced with the need for Fr44 Auto Insurance in Florida is “What auto insurance companies do fr44 in florida?”.  At Fr44 & SR22 Insurance Experts we take that worry and that time consuming tasks of finding Florida FR44 Insurance companies into our own hands and find the very best Auto Insurance Companies that write High Risk Automobile Policies for those individuals that need them.  In Florida, the need for FR44 Insurance is usually triggered by a conviction for DUI.  Florida FR44 Insurance is a requirement to have your drivers license reinstated.  Obtaining FR44 Insurance can be very confusing and stressful.  We have over 15 years of experience in the Automobile Insurance industry and Fr44 policies as well as SR22 policies are what we do.  So the question of “What auto insurance companies do fr44 in florida?” is easily answered – call us or use our FR44 Insurance Quote system, and we will provide you with results from at least 10 A Rated Insurance Companies so that you can choose the best and the cheapest coverage based on your situation.

Sam Ridgeway, an Army Veteran, has made it his mission to provide the best, the quickest, and the cheapest Florida FR44 Insurance to those that need it.  We have bilingual agents – if you speak Spanish, no problem.  Whatever your circumstance we can help, so call or use our quote system.

We have tried to provide additional information on the website to take some of the mystery out of this process.  Sam has made video’s and has written instructions about how to Reinstate your Drivers License after a DUI and we hope you will find some of the information in out Resources section helpful.

To sum up the question “What auto insurance companies do fr44 in florida?” – the answer is simple – call or use the website to get a quote from FR44 & SR22 Insurance Experts.  Let us do the work for you!

Veterans Treatment Court

Veterans Treatment Court

Veterans Treatment Court is a nationally recognized program designed to provide essential substance abuse treatment services, mental health services, or both, to current and former military service members who have been arrested for a criminal offense.

One goal of the program is to divert veterans from incarceration and into treatment when there is a relationship between the offense or diagnosis and the veteran’s military service.

The court-supervised, comprehensive treatment program utilizes a collaborative approach includes drug and alcohol testing, regular court appearances, and educational opportunities intended to provide the participants with the skills necessary to maintain a clean and sober lifestyle and reconnect with their families and community.

By coordinating with the Department of Veteran Affairs (VA), Veterans Treatment Court provides eligible veterans the opportunity to receive specialized substance abuse and mental health treatment services, one-on-one veteran peer mentor support, and assistance in gaining access to veteran health care and benefits from the VA.

Services are provided through outpatient services. However, residential (in-patient) services also are available to those participants who need a higher level of treatment.

Drunk & Impaired Driving Statistics

  • 14% of probationers each year are supervised for a DWI offense
  • There are 1 million new DWI arrests each year in the U.S.
  • DWI is the third most common offense in the U.S., behind drug offenses and theft
  • 71% of alcohol-involved traffic fatalities involve a driver with a BAC greater than .15
  • 1/3 of convicted DWI offenders in community corrections are repeat offenders; 2/3 of those in jail or prison are repeat offenders

from https://www.scramsystems.com/programs/drunk-driving/

Florida FR44 Insurance

Florida FR44 Insurance Basics

General Florida FR44 Insurance Facts

Florida FR44 insurance requires 100/300/50 coverage. You can get an FR44 with or without a vehicle attached to it. If you don’t own a car, a Non-Owner FR44 will allow you to drive any vehicle as long as that vehicle is covered  under the owners insurance. If you have a vehicle attached to your policy, the Florida FR44 Insurance will act like traditional insurance. Once your FR44 is purchased and your driver’s license has been reinstated, you must keep your policy active. If you let your policy lapse, you will usually get 3 more years of having to carry an FR44 by the Florida DMV. We’ve had multiple clients that carried a Florida FR44 for over two years, let their policy lapse, and got 3 additional years. Obviously this is a very costly mistake and should be avoided at all costs.

Lowest Florida FR44 Prices

What Can I Expect From a Florida DUI Conviction

While the court system makes the final decision, your First DUI can come with a 180 day to 1 year driver’s license suspension. If serious injury occurred during the event, you could get a 3 year revocation. If you still need to operate a vehicle for work, you can generally apply for a hardship license. This will give you the ability to drive during certain hours of the day; i.e. to get to work, get groceries, etc. You will probably have to attend a DUI Class and/or treatment program. There is a series of requirements you’ll need to complete before your license will be reinstated and in order to keep your license valid. You may also be required to install an Ignition Interlock Device. This is a machine placed in your vehicle that requires you to blow into a tube before you can start your car. The machine reads the Blood Alcohol Level. You must periodically blow into the device to ensure your Blood Alcohol Level remains compliant.

How Much Does Florida FR44 Insurance Cost

While this seems like a pretty straight forward question, it isn’t. Pricing varies greatly due to a number of variables. Some of the factors taken into consideration are:

  1. Where you live.
  2. Your driving record.
  3. The severity of your infraction.
  4. Your age.
  5. Your gender

This isn’t a complete list, but you get the idea. Additionally, pricing for the exact same product will differ between insurance companies themselves. You always want to work with an agency that has many options and can search multiple insurance companies at the same time. Insurance pricing also changes often. What was the best price six months ago may not be the best price today. Ask your agent to shop your insurance every time your policy comes up for renewal.

Florida DUI Insurance

What is Florida DUI Insurance?

If you’ve been convicted of Driving Under the Influence in the State of Florida, you will be required to obtain Florida DUI Insurance. The actual name of the filing is Florida FR44 Insurance and it’s not actually insurance. It’s a Certificate that shows you have the required Liability Limits in place.

What are the Florida DUI Insurance Required Liability Limits?

A Florida FR44 mandates that the following Liability Requirements be included:

  1. $100,000 for an injury to a single person in a single incident.
  2. $300,000 for an injury to multiple people in a single incident.
  3. $50,000 for any Property Damage.

This is commonly referred to as 100/300/50 coverage.

How to QUICKLY Get Your Florida Driver’s License Reinstated After a DUI

Do You Have to Own a Vehicle to Get Florida DUI Insurance?

No. If you simply want your driver’s license reinstated, but you don’t own a vehicle, you can purchase a Non Owner FR44. This will allow you to get your license back and make you compliant in any vehicle  you operate that is not owned by you. A reason you may want to do this, aside from having a valid Driver’s License, is so you can drive a Company Vehicle for employment purposes. A Non Owner DUI Insurance policy is usually far cheaper than an Owner policy because the insurance company is not taking on the risk of covering an automobile.

Florida DUI Insurance

Do You Need an Ignition Interlock Device?

Depending on the frequency and severity of your DUI conviction, you may be required to have an Ignition Interlock Device installed in your vehicle. It should be noted that if you do not own a vehicle, the device can be installed in somebody else’s vehicle with their permission. Obviously that would be the only vehicle you’d be able to operate. You must have purchased Florida DUI Insurance before the Ignition Interlock Company will install the device. You must also have the device installed before the State of Florida will reinstate your driving privileges. If you have questions about your Ignition Mandate, contact the Florida DMV for additional information.

If you Need a Different Type of High Risk Auto Insurance:

Florida SR22 Non Owner Insurance: www.MyFloridaSR22.com
Florida FR44 Non Owner Insurance: www.Cheap-Florida-FR44.com
Florida FR44 Non Owner Insurance: www.FR44Experts.com
Florida FR44 Non Owner Insurance (Mobile): m.FR44Experts.com
SR22 Insurance in All States: www.SR22Coverage.com