FR44 Insurance FAQ

Most consumers and many insurance agents are totally unfamiliar with Florida FR44 insurance, and recent changes have added to the confusion. The FR44 filing process must be completed successfully before a Florida DUI driver can reinstate their license. Policyholders and insurance professionals alike need to avail themselves of the facts to eliminate the confusion.

FR44 Insurance Requirements:

Liability requirements are a minimum of $100,000 per person, $300,000 per accident of Bodily Injury Liability and $50,000 of Property Damage Liability. A single combined limit of $300,000 is also acceptable. The financial responsibility requirement for other drivers in Florida is 10/20/10. After a policy is issued it cannot be cancelled. Compliance period is for three years. The filing must be on a Florida insurance policy.

FR44 Policy Types:

In addition to a car or truck policy a non-owner or motorcycle policy is acceptable. These two types exclude Personal Injury Protection which is very expensive and required on every car or truck policy. The non-owner policy is only available to drivers who do not own a vehicle, and do not have regular access to one. The motorcycle insurance policy is the least restrictive and often the least expensive way to file.

Florida FR44 Companies:

The well-known companies listed here demonstrate the wide variety of offers coming from different providers.

FR44 Insurance Cost:

The State filing fee is just 15.00 dollars. However, Increased liability limits, removal of safe driver discounts, and placement into a less favorable rating tier account for much more. Over time, maintaining high limits and continuous prior insurance provide significant discounts that reduce rates. After 3 years rating points from the DUI are removed while discounts depending on the companies, some companies look at 3 year history while other look at five year history.

Form Completion:

Required information is derived from the MVR and policy application and includes the name, address, license number, and birth date of insured, and name, effective date, NAIC code, policy number of company, and FR44 case number from the MVR. The policy type is indicated as either owners policy with the year, make, model, and VIN of all registered vehicles, or operators (non-owner) policy, applicable to any vehicle not registered or titled to insured. Authorized representative signature and date prepared completes form.

FR44 Filing:

The completed form is filed (submitted) to Florida’s Bureau of Financial Responsibility. After June 30, 2009 all companies must submit filings electronically. The DMV does not accept proof from policyholders. Companies are required to notify the bureau when there is a cancellation, termination, or lapse of a policy for any reason. Buying from a company that files at point of sale accelerates the process. Choose a company that files instantly in order to reinstate your license quickly.

Miscellaneous Facts:

The actual name of the form is the Florida Uniform Financial Responsibility Certificate FR-44. Florida statute 324.023 is applicable and effective after October 1, 2007. There are no driving restrictions associated with such a filing. Driver exclusions are not permitted on a policy. There cannot be more than one FR44, or FR44 and SR22, on the same driver. Noncompliance results in license and vehicle registration suspension.

The entire staff at FR44 DUI Insurance are dedicated to helping DUI drivers through the Florida FR44 insurance process. Our experience is evident the moment you call for a quote or need your questions answered. FR44 & SR22 Insurance Agents provide competitive FR44 Florida auto insurance quotes.

 

FAQ

I have more than one DUI in the last 3 years, can I still obtain insurance.

Being an independent broker of insurance, we work with many companies, some of which accept clients with multiple DUIs.

I do not have any tickets or accidents, can you still find me a good deal?

YES! We also work with companies that give excellent discounts to drivers with 1 point or less on their record. We can also help by finding multipolicy discounts for clients who also purchase homeowners, renters, or motorcycle insurance.

Do you sell motorcycle insurance too?

We can help with FR44 and SR22 filings through motorcycle insurance as well.

My case is still pending or I have not been convicted yet, should I still call?

YES. It is important to call as soon as possible so that we can cover over the various options based on the potential outcome of your case. Calling after you have been convicted leaves fewer options.

Can I get a FR44 if I only own a motorcycle?

YES. Motorcycle insurance is one of our specialties, and we can help you obtain a FR44 if you only own a motorcycle.

Can I still obtain commercial auto insurance with a DUI or and SR22/FR44?

Yes, we can help clients who have DUIs and need commercial auto insurance. If you need to file an SR22 with your commercial auto insurance policy because you do not have a personal vehicle, please let-us know.

Can I pay for FR44 Insurance in installments or on a payment plan?

Yes. The payment plan options vary by carrier. By working with multiple insurance carriers that issue FR44s, we are able to get FR44 Insurance quotes quickly.

Can I get an SR22 or FR44 if I do not own a car?

To obtain an estimate for the price of insurance with an FR44 only takes a few moments. When you are ready to purchase your insurance, we can often provide you with a new temporary ID card and FR44 in the same day.

What information do I need?

You will receive a nine-digit case number. Please make sure to provide us with your case number so that we can have the FR44   form issued correctly. If you have your DUI / DWI conviction date available, that would be helpful as well.

To obtain an estimate for the price of insurance with an FR44 only takes a few moments. When you are ready to purchase your insurance, we can often provide you with a new temporary ID card and FR44 in the same day.

How soon can I get an SR22 or FR44?

We can help by electronically filing a FR44 with the DMV the same day you purchase your insurance (depending on the time of day). You also have the option of having us send you an original FR44 via US Mail or Federal Express. If you are close to our office, you are welcome to come in and pick one up.

Can I still purchase insurance with a suspended license?

This is one of our specialties. We can still help you to purchase insurance if your license has been temporarily suspended, even with a one year suspension. We are here to help. If your license is suspended because you need a FR44 filing, just let us know.

I was told that I cannot get insurance because I no longer qualify as a “good driver”.

There are companies that only target “good drivers” and companies that provide drivers with multiple points. We work with both types of companies to help you find the coverage you need at the right price.

I only have a foreign drivers license or an out-of-state license, can you still help?

Yes, just let us know when you contact us.

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!

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