About FR-44 Insurance in Florida

Driving under the influence (DUI) or driving while impaired (DWI) is a serious violation of traffic laws, particularly in the state of Florida.

Penalties for these offenses often extend beyond the immediate legal ramifications, impacting a driver's future in significant ways. One such consequence is the requirement to carry FR44 insurance, a stipulation that can increase costs and alter the landscape of a driver's auto insurance for years.

FR44 is a Certificate of Financial Responsibility. It verifies that the driver possesses the stipulated amount of liability insurance coverage, which serves to cover any damages they may cause in an accident. In Florida, the current minimum liability limits for FR44 insurance are:

• 
  $100,000 per person for bodily injury
• $300,000 per occurrence for bodily injury
• $50,000 for property damage

Obtaining a DUI/DWI can significantly increase your insurance premium due to the elevated risk you now present to insurance companies. However, this increase is not only due to the DUI/DWI charge itself, but also because of the expanded coverage requirements. As such, it's worth noting that the policy has to be paid in full and can't be canceled.

Maintaining continuous coverage is a critical aspect of this requirement. The FR44 must be carried for three years without a lapse from the date of conviction. If there's any break in coverage, your driver's license will be suspended. To have it reinstated, you'll need to obtain a new FR44 policy and pay a fee to the Department of Motor Vehicles (DMV).

Another key aspect of the FR44 policy is that it must be carried on a Florida automobile policy. This requirement disqualifies a motorcycle policy, as it doesn't carry Personal Injury Protection (PIP). Interestingly, even if you don't own a vehicle, the FR44 period can be initiated with a Named Non-Owner (NNO) policy. This policy can help you meet the FR44 requirements sooner, and once you acquire a vehicle, the policy can be rewritten to ensure there's no lapse in coverage. This strategy ensures that your three-year FR44 requirement period remains uninterrupted.

Finding an insurance provider to offer an FR44 policy can be challenging. Not all companies offer coverage to high-risk drivers, and even fewer provide an FR44 NNO policy for drivers without a vehicle. Choosing your carrier carefully is of paramount importance. Your chosen provider should have extensive experience in handling your policy type and dealing effectively with the DMV.

Our company specializes in helping drivers navigating their first DUI/DWI with a Blood Alcohol Concentration (BAC) under 2.0. We know this is a stressful and difficult time, and we're here to help. Contact us for a quote from the top insurer in the state of Florida. We offer coverage from a brand you know and trust, assuring you reliable assistance during your time of need. Your journey to regaining normalcy after a DUI/DWI charge can start with us. We understand the complexities involved and will guide you through the process of meeting the FR44 requirements as smoothly as possible.