FR 44 Car Insurance, FR 44 Insurance and FR 44 Lowest Rate Resources in Daytona, Fort Myers, Jacksonville, Orlando, and Tallahassee, Florida
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If you’ve been convicted of a DUI in Florida, chances are you’re going to have to get an FR44 Insurance policy. FR44 Insurance is a three-year DUI and DWI insurance coverage meant to address a higher liability limit as mandated by Florida legislature.
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The States of Florida and Virginia requires the FR44 Insurance.
This makes people think twice before driving under the influence. Aside from the suspension of the driver’s license, drivers guilty of DUI or DWI automatically increases insurance rates over the next 5 years. The FR44 is aside from the usual penalties that you must pay for like fines, license suspension, and jail time.
The FR44 Insurance Policy is a requirement if convicted of the following crimes:
- Caught driving under the influence of drugs or intoxicants
- Caught maiming under the influence of drugs or intoxicants
Violation of the general provisions of any federal law of law, law of the state, or any local ordinance related to any of the above mentioned. Additionally with DUI conviction it will also become more expensive to get other forms of insurances like life and medical disability insurance.
High Policy Limits
Florida introduced the FR44 Insurance policy on February of 2008. This certification is similar to SR22 which is the regular requirement before. There are differences though with SR22 and FR44 which includes higher liability limits are required for the latter.
In Florida, when arrested and convicted of driving under the influence of alcohol your license will be suspended through court orders. In order to get your license back, you will be required to get the FR44 and maintain it for 3 years. You can get this form from your automobile insurance company or supplier. Once you get this form from your insurance company your status will automatically be changed to high risk which causes your premium and policy to increase.
The FR44 Forms will also require the insurance provider to inform the DHSMV if you have problems with maintaining your insurance policies.
FR-44 liability insurance coverage limits are double the SR-22 insurance coverage limits and are 100/300/50 which stands for:
- Coverage of $100,000 for bodily injury/death of one person
- Coverage of $300,000 or bodily injury/death of two or more persons
- Coverage of $50,000 for property damage
1st DUI – 180 days to a 1-year revocation effective on conviction date. Or, first offense DUI with Serious Injury – at least a 3-year revocation. Before expiration of the revocation period, you may apply for a hardship license in the county where you live. DUI School completion and treatment, if referred, is required. You then can apply for a hardship license in any Administrative Reviews Office (see listing “Under Suspension – Need Driver License for Work”) where you live.
If you wait to reinstate your license until your revocation period ends, proof of enrollment or completion of DUI School and treatment, if referred, is required. Failure to complete the course within 90 days after reinstatement will result in cancellation of your driver license by the department until the course is completed. Failure to complete treatment may result in cancellation of your driver license.
At the time of reinstatement, whether for a hardship license or a full license, you must take the required examination, and pay an Administrative fee and revocation reinstatement fee and any license fee required. For a DUI conviction on or prior to October 1, 2007, you must provide proof of bodily injury liability insurance in the amount of 10,000 per person and $20,000 per occurrence and $10,000 property damage liability on the arrest date or proof of bodily injury liability coverage and a $15 reinstatement fee will be required. Any DUI conviction after October 1, 2007, must provide proof of auto insurance with an FR-44 and bodily injury liability insurance with limits of 100,000 per person, 300,000 per occurrence and 50,000 property damage liability on the arrest date or proof of liability coverage and a reinstatement fee of $150 up to $500, for subsequent violations will be required.