Florida DUI Insurance, made easy. Have you recently had a DUI and now need a Florida FR-44 form filed? You're not alone. Family Owned Insurance & Florida Independent Agents
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FR-44 filing for all of Florida.
Shopping for DUI car insurance in Florida can be like driving on an obstacle course at night with sunglasses on. It
can be pretty dark and bumpy when you find out what is necessary for license reinstatement. You may have
received a cancellation or non-renewal from your current car insurance company. At Florida Auto Plus Insurance
we want to make your experience with Florida DUI car insurance as easy and painless as possible. A DUI on your
MVR will obviously increase your auto insurance premium. Just as obvious is the fact you should not overpay.
Drivers deserve excellent service from their car insurance agent no matter what appears on the MVR.
DUI Florida insurance requirements
In February of 2008 the state of Florida increased the liability limits for DUI convicted drivers to 100/300/50 (split
limits) or 3000,000 (combined single limit). The Florida Uniform Financial Responsibility Certificate FR-44 is the
name of the form used to document proof required insurance. Previously Florida DUI drivers were required to
maintain liability limits of 10/20/10 (split limits) or 30,000 (combined single limit) as indicated on Florida form SR-
22.
DUI Florida insurance cost
$15.00 dollars is the cost to file form FR-44 with the state of Florida. This is a small additional fee compared to
the extra premium associated with the Florida DUI insurance itself. Removal of safe driver discounts, along with
higher liability limits and rate tier placement (category) combine to increase the price of a policy.
How much is DUI insurance? Follow link to read more and remember, you should not overpay.
Florida FR-44 DUI form includes
Personal information of the DUI driver such as, name, Florida drivers license, home address, and date of birth.
The Florida car insurance company information required is name, NAIC number (code), policy contract number,
FR-44 case number, and the effective date of the certificate. One of two kinds of insurance polices will be
indicated on the form. One is a vehicle owner’s policy, which would include all the vehicle registration information.
The other type of policy is for Florida DUI drivers that do not own a vehicle. This type of policy, called an operator’
s policy, is effective for any vehicle not registered or titled to the DUI driver. A signature from an authorized
representative and the date the certificate was prepared competes the Florida form FR-44.
Florida DUI FR-44 form filing
Completed FR-44 forms that are filed with (submitted to) Florida’s Bureau of Financial Responsibility is delivered
electronically. Purchasing a policy does not instantly update the Department of Motor Vehicles Records. It may
take 24 to 48 hours before you are able to reinstate your license. A technically advanced insurance company that
will file your form FR-44 promptly and effectively is a help. Progressive insurance is one such company. Click
here for Progressive Insurance quotes online. Comparing rate is even more important when an FR44 is involved
because of high premiums associated with the DUI. Another great company to compare with Progressive is
Infinity. Receiving a quote and purchasing a policy with Infinity is available anytime by utilizing Infinity insurance
online.
Miscellaneous Florida DUI FR44 insurance information
An FR-44 filing is required for three years after a DUI conviction. After the form appears at the DMV, the Florida
driver’s license is eligible for reinstatement. There are no limitations on the operator’s license once after
reinstatement other than maintaining the required form on file for three years. Virginia is the only other state
currently using form FR-44 for DUI drivers insurance. Failure to maintain compliance during the required period
will result in driver license and vehicle registration suspensions. All Florida car insurance companies must inform
the DMV if a policy with an FR-44 becomes inactive for any reason. The FR-44 filing is required on a Florida auto
insurance policy. Only one FR-44 per DUI driver, and an SR-22 and an FR-44 cannot be on the same driver.
In order to satisfy the requirements mandated by the
state for DUI drivers who need the Florida FR44 form,
Bodily Injury Liability coverage in the amount of
100/300 ($100,000 per person and $300,000 total per
accident) needs to be secured. Ten times the financial
responsibility requirement for drivers without a DUI.
Although it may seem like a bit much, it is for good
reason. Statistically, people who have had a DUI are
more likely to cause bodily harm to other drivers. This
increase in Bodily Injury Liability helps to protect us all
in the event where a DUI driver has another mishap,
and is at fault in an accident
All coverages on a policy have different features to
consider. Deductibles, limits and exclusions are the
common ones. At a minimum every policyholder has
PIP options to consider. The limits of protection and
the amount you pay for a policy are important financial
decisions. Consumers should take time to learn about
Florida No Fault and additional basic information to
help make selections that are best for them.
When shopping for auto insurance in Florida, or
anywhere else, look at companies and agents licensed
in that state. Insurance laws are state specific
designed to protect policyholders, companies, and the
general public. Getting good value for a policy is much
more than just finding the cheapest rate. People get
car insurance quotes in just minutes. Making good
choices for a policy may take a bit more time.
No one wants to spend more for insurance than they
have to. Learning about what is required and all other
options best for you are important financial decisions.
Always ask plenty of questions when getting a quote.
Approaching car insurance like a major purchase will
help save you money. Lower your car insurance cost
for life with a strategy that you can apply consistently.
In Florida, a DUI driver is required to maintain Bodily
Injury liability (BI) on their car insurance policy. This
coverage is in addition to the Florida No Fault bare
minimum always included. Personal Injury Protection
(PIP) and Property Damage Liability (PD) are the No
Fault coverages required by law. Every policyholder
should consider including BI and not just drivers
required to file an SR22 or an FR44.
Question of the day:
Will DWI insurance in Texas transfer to my Florida license when I relocate?
When relocating from one state to another, a new car insurance policy must be acquired. A Florida DUI insurance
policy has different requirements than a Texas DWI insurance policy. Drivers in Texas after a DWI must maintain
liability limits of 30/60/25 and submit proof to the Texas Department of Public Safety via an SR22 filing. Drivers in
Florida after a DUI must maintain liability limits of 100/300/50 and submit proof to Florida’s Bureau of Financial
Responsibility via an FR44 filing. For more information regarding car insurance in Texas please visit
http://www.TexasAutoPlusInsurance.com
Question of the day archive
"Welcome, thanks for calling" - Wally
www.WizardInsurance.com
1-877-WIZ-AUTO (949-2886)
Florida Auto Plus Insurance Agency
9742 Banyan St. Miami, FL 33157
1-877-WIZ-AUTO (949-2886)
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