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FR44 Insurance

What is Florida FR44 Insurance?

If you’re convicted of a DUI in the State of Florida, you’ll more than likely need FR44 Insurance. While not insurance in itself, it’s a Financial Responsibility Certificate required by the State, showing you have the required 100/300/50 coverage in place. The only other State requiring this type of insurance is Virginia. Typically you must maintain FR44 Insurance for a period of three years from your conviction date. This can vary on occasion and you’ll want to refer to the Florida DMV for your specific case.

What Coverage Does FR44 Insurance Require?

You will be required to carry 100/300/50 coverage, which is far above the minimum requirements of 10/20/10 in the State of Florida. What does this mean?

  1. You’ll have $100,000 coverage for a single injury in a single incident.
  2. You’ll have $300,000 coverage for multiple injuries in a single incident.
  3. You’ll have $50,000 coverage for any Property Damage in a single incident.

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

What Types of FR44 Insurance are Available?

There are basically two types of FR44 Insurance. Without going into a lot of detail, you have a Non Owner and an Owner policy. If you do not own a vehicle, but still want your license back, you can purchase Florida FR44 Non Owner Insurance. If you do own a vehicle you will be required to purchase Florida FR44 Owner Insurance. The Owner version is always more expensive than the Non Owner due to the fact that the insurance company is taking on the liability of covering a vehicle. Follow this link for additional information regarding Florida Non Owner FR44’s.

Do You Have to Purchase FR44 Insurance?

No. You can actually just wait your time out without purchasing an FR44. If you were given a 3 year driving suspension, and you simply didn’t drive for the entire three years, you would be able to walk into a Florida DMV on the day after your suspension and have your driver’s license reinstated. Now most people aren’t able to go three years without being able to operate a motor vehicle, but if you’re one that can, it is an option.

FR44 Insurance

How to Find the Cheapest FR44 Insurance Price

Many companies offer FR44 Insurance. While the coverage must be the same (100/300/50) on all of them, it’s at the insurance companies’ discretion as to what they want to charge for the policy. Different insurance companies weigh different variables to be more or less relevant. One company may put more emphasis on age than another… or where you live… your driving record, etc. Therefore, you’ll want to work with an agency that shops Multiple Companies to find the best price for your unique situation. Make sure that agency is familiar with the FR44 Insurance Filing Process or you could incur additional fines and suspension times.

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

Out of State Filing Explained

Florida Out of State Filing – SR22 and FR44

If you reside in one State and you need a Financial Responsibility Filing (SR22 or FR44) in a different State, that’s called an Out of State Filing.

Let’s assume you live in the State of Texas. You went over to Florida for vacation, you were convicted of a DUI, and you came back home to Texas. If you don’t fulfill the obligations set forth by the State of Florida, the State of Florida will notify the State of Texas that you have not completed  your responsibilities for your actions and the State of Texas will suspend your Driver’s License out of “Respect” for the State of Florida. This is why you need an Out of State Filing from Texas to Florida.

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

Conversely, if you reside in Florida and visit Texas on vacation and you’re convicted of a DUI in Texas, you’ll also need an Out of State Filing. Your Out of State SR22 Filing will show you as a resident of Florida with a filing in Texas. Failure to file an SR22 with the State of Texas will result in Texas telling Florida that you have “unfinished business” in its State. Florida will then suspend your Florida Driver’s License out of “Respect” for the State of Texas.

Out of State Filing

You Can’t Hide From an Out of State Filing Requirement

In a digital age you can’t run from technology. We get many calls from people that thought just because they went back to their home State, they didn’t have to comply with the DUI laws of another State. They believed this until they were informed that their Home State Driver’s License had been suspended. Now they not only had to purchase an SR22 or FR44 to comply with the State they got into trouble in, but they also have to fix their suspended Driver’s License in their home State… double work.

The best course of action is to purchase your Out of State Filing Certificate, do your time, and move on after your sentence has been completed. We do Out of State Filings from coast to coast. Call or use our FREE Online Quote Generator.

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

Florida Ignition Interlock Program

When Do You Need a Florida Ignition Interlock?

The Florida Ignition Interlock Program applies to those individuals that receive a DUI conviction in the State of Florida. Those requiring this device will have a driver’s license issued with a “P” indicator, which means any vehicle being operated must have this device installed. You can have a Ignition Interlock requirement from the first DUI throughout subsequent DUI’s. This mandate will be determined at the time of conviction.

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

IMPORTANT: You will need to purchase a Florida FR44 policy before the Ignition Interlock Device can be installed.

Basic rules to follow are listed below:

  • First Florida DUI Conviction – A Florida Ignition Interlock device may be required if court ordered, but is not mandatory
  • First Conviction if Blood Alcohol Level is 0.15 or above – At Least 6 Months
  • Second Florida DUI Conviction – At Least 1 Year
  • Second Florida DUI Conviction if Blood Alcohol Level is 0.15 or above – At Least 2 Years
  • Third Florida DUI Conviction – A Florida Ingintion Interlock Device may be required for at Least 2 Years
  • Fourth or More DUI Conviction – At Least 5 Years

Florida Ignition Interlock Device

Where Can You Go to Get a Florida Ignition Interlock?

What are the Basic Specifications of the Florida Ignition Interlock Device?

  • It has to contain Fuel Cell Technology
  • A sample breath sample of 0.025 must disable the vehicle
  • Must have a Rolling Retest option to randomly test as vehicle is being operated
  • Data must be able to be collected through web-based reporting and accessed 24/7
  • The person requiring the device must pay for it themselves
  • Must be able to record and store Visual Evidence of device use

Additional information regarding a Florida Ignition Interlock system can be obtained through the Florida Department of Motor Vehicle website. All listed installation facilities comply with Florida Administrative Code 15A-9.007, the National Highway Traffic Safety Administration Standards, and Florida Statute 316.1938. Most courts electronically report DUI convictions to the Department of Motor Vehicles. The time of the suspension and the requirement for a Florida Ignition Interlock device will also be noted. You should check with the Clerk of the Court to find out if an Ignition Interlock is required.

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

Florida DUI Suspension Laws

Florida DUI Suspension Overview

If you’ve been convicted of a Florida DUI, here’s what you’re up against.

First DUI Conviction in Florida

1st DUI: You will receive a suspension of 180 days to 1 year. If there was a serious injury involved in the incident, you can get up to a 3 year revocation of driving privileges. Florida DUI treatment and school, if mandated, must be fulfilled. You can apply for a hardship license, which will allow you to operate a motor vehicle for work-related situations. You must also show proof of Bodily Injury Liability Insurance of 100/300/50 (A Florida FR44). You must continuously maintain this insurance policy for a period of 3 years from the date of conviction. For detailed information, visit the Florida Department of Motor Vehicle website.

Florida DUI Suspension

Second DUI Conviction In Florida

2nd DUI: A second Florida DUI Suspension, if longer than 5 years from the first offense, carries a 180 day to 1 year revocation. However, you can not reinstate early for a hardship license. If the second DUI is within a 5 year window from the first, you will receive a 5 year revocation. After serving one year you may apply for a hardship license. You must obtain a Florida FR44 policy and ensure that it remains active throughout your conviction time period. You must also complete all classes and treatments as outlined during your conviction phase. Detailed information for your second Florida DUI Suspension can be found on the Florida Department of Motor Vehicle’s website.

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

Third DUI Conviction in Florida

3rd DUI: A third Florida DUI Suspension, if longer than 10 years from the second conviction, results in a 180 day to 1 year revocation. You must serve at least 2 years of this before you can apply for a hardship. As with other Florida DUI suspensions, you must fulfill all school and treatment requirements as well as obtain a Florida FR44 Insurance policy. Failure to complete the mandated requirements will result in the revocation of your driver’s license. If the third DUI happens prior to a 10 year gap from the second DUI conviction, you will receive a 10 year revocation. More information regarding a 3rd Florida DUI Suspension can be found here.

Fourth DUI Conviction in Florida

4th or Subsequent DUI: A fourth or greater number of DUI convictions means you must serve 5 years of the revocation period before applying for a hardship. All schooling and treatment mandates must be completed. Again, as with previous convictions, a Florida FR44 must be obtained and maintained throughout your conviction period. Find detailed information on a fourth or greater Florida DUI Suspension here.

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

Florida FR44 Auto Insurance

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.

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

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.

For the Absolute Best Pricing in FR44 Insurance, please visit our FREE QUOTE page.

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