FR44 Insurance in Florida

What is Florida FR44 Insurance?

FR44 insurance is a financial responsibility insurance certificate which is a requirement if a person gets convicted for driving under the influence of alcohol (DUI). After sentencing, the driver must file an FR44 which provides the minimum amount of insurance coverage.

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 driving while the driver’s license has been suspended due to a conviction
  • Caught driving while the driver’s license has been suspended due to finding of not innocent (juvenile cases)
  • 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.

Automatic Increase in Insurance Premiums with FR-44 Insurance

When caught and convicted of drunk driving your auto insurance premiums within the State of Florida will increase automatically. The increase could reach up to 200 – 300% from the amount you paid before your arrest. Additionally, the insurance company has the choice to cancel or not renew your auto insurance coverage. This will automatically increase premium charges in case you work with other insurance companies.

A lot of convicted drunk drivers find their insurance premium increased so high that it is simply impossible to pay up or maintain. Florida law states that any lapse in automobile insurance will cause automatic suspension of the driver’s license.

High Policy Limits

Florida introduced the FR44 Insurance policy on February of 2008. This certification is similar to SR 22 which is the regular requirement before. There are differences though with SR 22 and FR 44 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.