When Do You Need FR44 Insurance?
If you were convicted of driving under the influence of drugs or other intoxicants, you’ll need a Florida FR44. In fact, this will be a requirement in order to get your drivers' license reinstated.
The court will order you to get Florida FR44 Auto insurance so if you haven't been told you need it, you're probably okay. However, if you've been convicted of a DUI, I would check with the Department of Motor Vehicles to verify your status. Many times they suspend driver's licenses with no prior notification. They claim they notify people, but there have been far too many of our clients that didn't receive anything prior to the suspension.
Now the FR44 filing process must be completed successfully before a Florida DUI driver can reinstate their license.
The requirements are $100,000 for each per person you might hurt, $300,000 for multiple people you might hurt, and $50,000 to cover any Property Damage. You may see this coverage listed as 100/300/50.
To put this into perspective, the State requirement in Florida for non-high risk drivers is 10/20/10. So the FR44 at 100/300/50 is far higher… and it's more expensive.
After a Florida FR44 Insurance policy is issued it cannot be canceled. You will need to keep an FR44 for a period of 3 years from your conviction date. If you let the policy lapse at any point within that timeframe, your license will be suspended immediately and your 3 years will start over. As you can see, it's very important that your FR44 policy doesn't lapse.
It should also be noted that you don't actually need to purchase a Florida FR44 if you have no intention of operating a motor vehicle. If you simply wait for three years from your conviction date to drive, the FR44 requirement will fall off of your record all by itself.
Unfortunately most consumers, and many insurance agents, are totally unfamiliar with Florida FR44 insurance. And recent changes to the law have only added to the confusion. At FR44 & SR22 Experts, we specialize in high risk insurance. We also impartially shop the market with over 10 A or better rated companies in order to find you the absolute best price. And, since insurance companies can charge pretty much whatever they want on high risk policies, the pricing varies sometimes by over a thousand dollars for the exact same coverage from one company to the next.
Call us today at 1-855-678-6977 or use our FREE Quoting Engine at www.MyFloridaFR44.com for your Florida FR44 Insurance. We even have bilingual agents available. In under 5 minutes we'll get you the lowest price on your insurance and we'll provide unparalleled customer service if you ever have a question or issue in the future.
We're looking forward to helping you get your license reinstated and we'll have you back on the road the same day!