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:
- $100,000 for an injury to a single person in a single incident.
- $300,000 for an injury to multiple people in a single incident.
- $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.
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:
WHAT IS AN FR44
A DUI conviction in the State of Florida will require an FR44 Insurance Policy with 100/300/50 Coverage. You must generally keep this policy in force for 3 years from your conviction date.
OWNER VS NON-OWNER
Simply put, if you need a vehicle listed on your policy, you 'll get a Florida FR44 Owner Policy. If you don't, you'll get a Non-Owner policy. Both come with the required 100/300/50 coverage.