DUI Insurance and DWI Insurance Resources in Daytona, Fort Myers, Jacksonville, Orlando, and Tallahassee, Florida

Florida requires that drivers needing an FR-44 to purchase well above the minimum liability car insurance coverage normally required. This liability insurance covers other parties and damage to their property if you cause an accident. Other than this added requirement, FR-44 certification works exactly like SR-22 certification.

The normal minimum liability coverage requirements and that required for drivers filing an FR-44 are outlined in the table below:

Normal requirements (including SR-22 drivers) FR-44 requirements
Bodily injury liability coverage (per person/per  accident) Property damage liability coverage Bodily injury liability coverage (per person/per accident) Property damage liability coverage
Florida $10,000/$20,000 $10,000 $100,000/$300,000 $50,000
Virginia $25,000/$50,000 $20,000 $50,000/$100,000 $40,000

Violation Penalties and Fines

The Florida Department of Highway Safety and Motor Vehicles (DHSMV) requires your insurance company to electronically notify them if there is a cancellation of your insurance policy.

If the DHSMV has no record of your current car insurance policy, you will be notified by mail. The notification will give you a date of suspension . If you are not able to provide the DHSMV a proof of insurance before the suspension date, your driver’s license, plates, and registration will all be suspended.

To reinstate these, you will have to provide proof of Florida insurance and pay a fee of:

  • $150 for your first
  • $250 for your second offense
  • $500 for each offense

If you are able to provide proof of insurance to the DHSMV before the date of suspension, you will not face any penalties.

You can provide your proof of insurance:

  • Online at the DHSMV
  • In person at a drivers license office

If you no longer own the car, surrender your plates and registration to the Florida DHSMV to avoid suspension of your FL driver’s license.

Effective October 1, 2007, s. 324.023 Florida Statutes, requires proof of increased financial responsibility in the form of liability insurance for bodily injury or death, in those circumstances where a person has been convicted for driving under the influence.   This section pe1tains to owners or operators found guilty, or who enters a plea of guilty or nolo contendere to a charge of driving under the influence under s. 316.193, F.S., after October 1, 2007. The increased requirements of liability insurance upon conviction of a DUI will be in the amount of

$100,000, because of bodily injury to, or death of any one person, $300,000 for similar liability for two or more persons in any one crash and in the amount of $50,000 because of property damage liability in any one crash, or combined single limits of $350,000 to the extent of the above limits.

With the signing of HB 13C on October 11, 2007, we now have the enforcement mechanism in section 324.023 F.S to enforce these revised limits of insurance at the higher level or suspend the license and registration for non-compliance.   These revised limits wi ll only apply to those persons who are convicted after October 1, 2007. However, due to programming and resource constra ints, we will implement the new programming on February 15, 2008.

All 4 cases due to an alcohol related conviction will require the increased limits of 100k/300k/50k in order to reinstate. If the customer had the required liability limits at the time of the alcohol related offense no fee will be required, however; if they did not have the required limits there will be a reinstatement fee of $150, $250, or $500. An FR-44 Form, which is similar to Virginia’s FR-44, will be required for reinstatement and must be maintained for 3 years.

Any SR-22 that has been received during the time period of October 1, 2007 through February 14, 2008, will be accepted at the 10k/20k/10k limits until February 15, 2008. However, it is required that any SR-22, received during this time period, will need to be replaced by an FR-44 with the required higher liability limits prior to February 15, 2008, to be in compliance with 324.023 F.S. In order to facilitate this and make the transition smooth, we will have the capability to update FR-44s received from your company starting February 2, 2008. If we receive any FR-44s from your company prior to February 2nd we will hold these forms until we are able to update the customer’s record. This will ensure full compliance by all affected customers.

These changes also require that you inform all affected policy holders of these revised requirements . The notification from you must contain the following information:

  • For all customers convicted after October 1, 2007, liability insurance limits of $100k/300k/50k would be required to avoid a suspension
  • These higher limits will be required effective February 15, 2008. This agency will notify the customer with a 30 day notice to indicate the same.
  • Upon receiving the FR-44, the agency will void the SR-22 entries without requiring the SR-26
  • If the customer does not wish to increase the limits, the current SR-22 must be cancelled with an SR-26

What Our Clients Are Saying About Us:

  • I was involved in an accident that was my fault. I was also charged with a DUI as a result. My insurance company notified me that they would NOT issue an FR44 and that I should look for coverage elsewhere. After panicing and scrambling to find a company that I could afford, I came across this Allstar Direct website. They were very FAST and efficient. They got me a good rate and they took care of the filing for me!

    -Sheila D.
    Only $136.83 per Month!

  • I got my license suspended by accumulating too many points. I had to secure an SR22 filing to get my license back. My current insurance company did not do SR22 filings. I shopped around for the best rate and I found it with Allstar Direct. They gave me a price I could afford and they took care of the filing. I am very happy with their service.

    -Marcelo J.
    Only $89.11 per Month!

  • I had an at-fault accident and didn’t realize that my insurance policy had lapsed. This caused my license to get suspended and I had to get an SR22 so that I could get my license reinstated. I was referred to Tatiana at Allstar Direct who was very professional and got me a great rate and I’m back on the road.

    -Maria P.
    Only $53.24 per Month!

  • After leaving my usual Friday after work happy-hour, I got stopped for a minor speeding violation. The officer suspected that I had been drinking, and upon being administered the breathalyzer test, I had tested just over the legal limit. Well, you know the rest! After shopping for an FR44 policy, the folks at Allstar Direct were able to get me a competitive rate. They also did the filings for me and I was able to get my license back fast. If you’re looking for top notch advice and service, you’re looking in the right place.

    -Harry F.
    Only $111.59 per Month!

  • I got stopped for a simple broken tail light which turned into a DUI… The law required me to carry an FR44 filing, and when I called my insurance company who I had been with for 12 YEARS with NO CLAIMS, they not only told me they couldn’t provide the FR44 filing, but that my policy would be cancelled because of the DUI! That’s when I searched and found Florida FR44 Insurance. I spoke with J.R. who helped me with the filing and got me an affordable rate. I highly recommend the agents at Allstar Direct.

    -Chris I.
    Only $118.90 per Month!

SR22 FR44 DUI INSURANCE FLORIDA

We Specialize in Finding Affordable FR44 or SR22 Auto Insurance in Florida. We Quote with Multiple Companies to Get you the Lowest Rates and Lowest Down Payment Possible!

GET A QUOTE