An FR-44 form indicating proof of required liability is necessary to reinstate a license after a DUI conviction. The
minimum required coverage is $100,000 per person and $300,000 per occurrence of Bodily Injury Liability and
$50,000 of Property Damage Liability. A single combined limit of $300,000 will also be sufficient.
The fee for the FR-44 filing itself is just $15.00. Higher limits, points, and rate tier assessment for the DUI driver are
the factors that drive up the cost. The tier or category the insurance company places risks with a DUI is most often
the worst one with the highest overall rates. Drivers with multiple DUI convictions may not be able to purchase
insurance through a private company. For these drivers the Florida Auto Joint Underwriting Association or FAJUA
is a place to secure insurance as a last resort. Unfortunately for people in this position the insurance will be very
The liability limits required to satisfy the FR44 are 10 times the amount Florida considers other drivers as being
financially responsible (10/20/10). Florida and Virginia are the only two states that currently utilize the
FR-44 form. Prior to October 2007 the SR-22 with the lower liability limits of 10/20/10 was mandated for DUI
drivers. All policies will include the mandatory Florida No Fault PIP PD insurance.
The Bureau of Financial Responsibility monitors the SR 22 and FR 44 certificates. Failure to keep up with the
insurance policy at anytime during the compliance period will result in license suspension. All financial responsibility
forms are filed by insurance companies electronically. The case number assigned and found on the Motor Vehicle
Record (MVR) indicates which type of certificate is required.
Besides any required coverages there are a variety of options and discounts to look for when considering a policy.
Naturally, whenever coverage is reduced or deductibles raised, the premium rate is lower. Each policyholder must
decide on the right type of protection at a price that’s affordable for them. Keep in mind that some of the required
PIP coverage has options too.
Lots of people learn about their insurance policy only after an accident or mishap occurs. It’s a lot less stressful
and easy to consider and purchase the tight type of coverage before an accident happens. Many SR 22 insurance
filings are because drivers have an at fault accident without a policy that includes Bodily Injury Liability. When
shopping for Florida quotes consider all options and compare prices for the same coverages between different
|Florida FR44 Basic Information
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