What is FR44 Auto Insurance?
A Florida FR44, or FR44 Auto Insurance, isn’t really insurance at all. It’s closer related to a bond, or a promise that you have the coverage in place. The requirements for a Florida FR44 policy are 100/300/50. That means you are covered at $100,000 for any bodily injury you would inflict, $300,000 maximum for the injury of 2 or more people, and $50,000 for any property you might damage. It’s a Financial Responsibility Certificate… not necessarily insurance.
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Who Needs FR44 Auto Insurance?
If you’ve been convicted of a DUI in the State of Florida, you’ll need an FR44 policy. If you’ve been convicted of a non-alcohol related offense, and are told you’ll need a Financial Responsibility Certificate, you probably need a Florida FR44. You do not need to own a vehicle to get FR44 Auto Insurance. If you don’t own a vehicle you can get what’s called a Non-Owner Florida FR44, which covers you in any vehicle you might be driving except for one you own. If you do have a vehicle, you’ll need an Owner policy. This provides you with insurance on your vehicle as well as the FR44 Financial Responsibility Certificate. Non-Owner FR44 Auto Insurance is usually far cheaper than Owner FR44’s.
How Long Do You Have To Keep FR44 Auto Insurance?
Generally, although there are few exceptions, you’ll need to carry FR44 Auto Insurance for 3 years from your date of conviction. This is not the same date as the arrest. In many cases the conviction date could be a year or two after the date of arrest. In theory you could simply wait your 3 years out and never purchase FR44 Auto Insurance, however, we don’t know too many people that want to go 3 years without a Driver’s License and the inability to operate a motor vehicle.
How Quickly Can I Get My FR44 Certificate?
Once purchased, we immediately file your FR44 Auto Insurance Certificate with the State of Florida. We can also send you a copy of your certificate via email. In short, the answer to this question is Right Away.
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