Tag Archives: Bradenton

Where can I find my Florida FR44 Case Number?

The State of Florida requires insurance companies who write policies with SR22 or FR44 filings to write only six-month, paid-in-full Auto policies for Florida customers needing SR22 or FR44 filings, that have case numbers beginning with a “2″ or “4.” These policies cannot be cancelled. Florida Auto customers will see the change on their policy at renewal, when they will only be offered a paid-in-full bill plan.

The following rules apply for SR22/FR44 filings with case number beginning with 2 or 4:

  • The customer must pay for the policy term in full.
  • Insurance companies can’t process a cancellation after the first 30 days of the original effective date of the first policy term.

Specific endorsement rules:

  • Insurance companies can process credit or non-premium endorsements at any point in the customer’s policy life cycle.
  • Insurance companies can only process additional premium endorsements if effective back to the first inception or if the policy is in “Renewal Work” or “Renewal Quote” status.
  • Insurance companies can’t endorse an SR22 or FL FR44 beginning with a 2 or 4 onto the customer’s policy unless the policy is in “Renewal Work” or “Renewal Quote” status. If not, customer’s policy will have to be cancelled and rewritten to comply with the state statute.
  • Because the customer needs to pay-in-full and the policy can’t cancel, the customer would need to rewrite to make an additional premium endorsement, then remove the SR22 or FR44 beginning with a 2 or 4 and cancel the policy.
  • In addition to these rules, Florida FR44 filings will continue to require higher liability limits (i.e., 100/300/50 or 350CSL (or higher)).

Florida FR44 Insurance – How to File, What to Do, and How to Get it Cheap

If you’ve been convicted of a DUI in Florida, you’ll be required to obtain two insurance-related certificates in order to regain your driving privileges. These are the national SR22 form and the lesser-known FR44 form. While the procedure for obtaining the former has been documented exhaustively in print and online, there’s far less information available about the latter. Since the FR44 is a Florida-specific document that has few analogs elsewhere in the United States, it can be difficult to find reliable advice about procuring one.

First, it’s crucial to recognize the differences between the Florida SR22 and the Florida FR44. As a resident of a state that requires drivers to file an FR44 form, such as Florida and Virginia, you’ll most likely be required to pay upfront for your insurance coverage. In fact, Florida law prohibits insurers from charging monthly premiums on FR44 policies, which is more of a reason the insurance company will not “bend” on their billing options . This restriction is designed to protect the financial health of the insurers that operate the state and penalize DUI-convicted drivers in equal measure.

Unfortunately, the high cost of FR-44 policies means that this requirement will force you to make a substantial outlay in most cases, before getting back behind the wheel of your car. To make matters worse, Florida is notorious for its high insurance rates. After your DUI, it’s likely that your already-high auto insurance premiums will double overnight. Even if you have an impeccable driving record, you might be unable to find an FR44 insurance policy that costs less than $2,500 per year.   Additionally, you may have to pay for your policy in six-month increments.  If you have a new or financed vehicle, this is especially likely. Given the constraints of the “paid-in-full” rule issued by Florida’s insurance regulators, many insurance companies prefer to shorten the effective periods of their high-risk policies. Frequent renewals permit these companies to account for any changes in a driver’s accident history, criminal status or credit profile. What’s more, this arrangement enables DUI-convicted drivers to make smaller insurance outlays and put more of their hard-earned funds toward other DUI-related expenses.  Select Insurance Group can help with minimizing these daunting prices, as we shop and compare multiple insurance companies that specifically work with high-risk customers.  Many times we can find an adequate rate that is 1/4 of the cost of most of the “shopping” you will see out there and even offer insurance financing on some occasions.

Call us at 855-678-6977 or request a FREE QUOTE online from one of our licensed insurance specialists!

 

 

Getting the Best Bang for your Buck – Shopping Florida FR44 Insurance

Simply put, you MUST work with an Experienced Florida FR44 Insurance broker that shops multiple carriers.  Working with a captive company/agent like a GEICO, State Farm, or Allstate (that don’t really offer or are not in the market for FR44’s) is a recipe for expensive premiums.  FR44 & SR22 Experts, LLC works with companies that exclusively work with drivers that have:

  • Multiple Traffic Violations
  • Suspension of  their driver’s license
  • Drunk driving violation(s)
  • Driving without insurance violations

Simply put, we can get you the best deal because we shop multiple carriers that are geared toward handling FR44 filings.  Companies like PEAK property and Casualty a/k/a Sentry Insurance, Progressive, Foremost, Gainsco and others.  These companies WANT your business and we will find you that sweetheart-of-a-deal you are looking for.  Many times we are priced at 1/4 of the price of our competitors, simply because we can explore multiple options.  Rest assured, FR44 & SR22 Experts, LLC has over 10,000 customers and know how to get you back on the road, painlessly and quickly.

Many times, a driver will find themselves where they exceed the maximum allowed number of violations within a certain time period.  That or a Personal Injury claim has occurred, inhibiting the driver from being able to obtain coverage at all.  That’s not a problem.  We have over a decade of experience and we can help.  We can show you the ropes and help you obtain coverage when other places are telling you no or wanting ridiculous prices.

If you problem is needing an FR44 but you have a license in another state, we can help you fulfill this requirement as well.  We are licensed in multiple states and can satisfy your out of state FR44 requirements.

Call us at 1-855-MY SR22 or 1-855-678-6977 or fill out our Guaranteed be$t rate FR44 Form to get started.

DUI & DWI Laws in Florida

DUI & DWI Laws in Florida

Because drinking and driving is so dangerous, the penalties for doing so are extremely harsh in Florida. The state is serious about curbing injuries and deaths from alcohol-related crashes. The more DUIs you receive, the worse the penalties become.

Driving under the influence (DUI) is defined as operating a motor vehicle while impaired with a blood alcohol level (BAC) of .08 or higher, a chemical substance, or a controlled substance (316.193, F.S.). A DUI will remain on your driving record for 75 years.

First Conviction

Even your first DUI mistake can cost you more than just dollars:

  • Fines of $250 to $500. If you have a BAC of .20 or higher, or were driving with a minor in the car, your fine will be anywhere from $500 to $1000.
  • Community service. Mandatory 50 hours, or an additional fine equaling $10 per required hour.
  • Probation of no more than one year.
  • Jail time of at least eight hours, but could last up to six months. For BAC of .20 or higher, the sentence could last nine months.
  • Jail time of at least two years if you kill or injure someone.
  • Vehicle impoundment for 10 days (not counted during your incarceration)
  • Driver license revoked for a six month minimum

Second Conviction

  • Fines of $500 to $1,000. For BAC of .20 or higher, or a minor in the car, minimum $1,000 to $2,000.
  • Jail time of not more than nine months. A BAC of .20 or higher, or driving with a minor in the car, will require up to 12 months. If it’s your second conviction in five years, a mandatory 10-day jail sentence will be required.
  • Vehicle impoundment (if a second conviction in five years) for 30 days.
  • Driver license revoked for six months minimum. If it’s your second conviction in five years, you’ll lose your license for five years (but will be eligible to apply for a hardship license after one year).

Third Conviction

  • Fines of $1,000 to $2,500. If it’s your third conviction in 10 years, you’ll be charged $2,000 to $5,000.
  • Jail time. Mandatory 30 days if it’s your third conviction in 10 years. If it’s outside the 10-year limit, up to 12 months.
  • Vehicle impoundment (third conviction in 10 years) for 90 days.
  • Driver license revoked for a minimum five years. If it’s your third conviction in 10 years, a minimum of 10 years revocation will apply.

Fourth or Subsequent Conviction

  • Fines of $1,000 minimum; with BAC of .20 or higher, minimum of $2,000 fines. No maximum.
  • Jail time of up to five years.
  • Driver license revoked―mandatory permanent revocation. You won’t ever be eligible for hardship reinstatement.

Drivers Younger Than 21 Years of Age

Young drivers who are found with a BAC of .02 or higher are subject to an automatic six-month suspension. For most people, even one drink will put them over that limit.

It Gets Worse…

The penalties listed above may sound harsh, but they’re really the best-case scenario for a person who makes the decision to drink alcohol and then get into a car and drive. If you hurt someone while impaired or, worse yet, cause a death, the above penalties will seem like a slap on the wrist.

DUI Misdemeanor

If you cause property damage or personal injury to someone else while driving under the influence, you’ll be charged with a first-degree misdemeanor. That means fines up to $1,000 and jail time of up to one year.

DUI Felony

If you receive three DUIs in a 10-year period, or receive four at any time, you’ll be committing a third-degree felony. You’ll also have a felony conviction if you cause serious bodily injury to someone else, even if it’s your first conviction. Fines can reach $5,000 and jail time can last five years.

DUI Manslaughter

If you kill someone while driving with alcohol in your system, it’s a second-degree felony, with penalties of a fine up to $10,000 and/or jail sentence up to 15 years. If you leave the scene of the accident after killing someone, it’s a first-degree felony, punishable by a fine of up to $10,000 and/or jail sentence up to 30 years.

License Reinstatements

Even if you haven’t caused injuries or served jail time, losing your license can seriously affect other areas of your life, not the least of which is your job.

In some cases, it might be possible to have your suspended license reinstated for hardship purposes, meaning to drive to and from work only. You’ll have to complete a DUI program and probably have an ignition interlock device installed on your car for six months to two years or more.

The ignition interlock device requires the driver to give a breath sample before starting the car. If the BAC is more than .05, the car will not start. The device even submits the driver to “rolling retests,” meaning an alarm will sound and the driver must give a sample while operating the vehicle.

Even if you don’t apply for a hardship reinstatement, you’ll still be required to take the DUI course and possibly use an ignition interlock device. There’s no way to recover from a DUI conviction easily or quickly. The best idea is the simplest: Don’t drink and drive, period.

For more official details and regulations concerning DUI convictions, please see the state’s website.

 

Original post located at : http://www.dmv.org/fl-florida/automotive-law/dui.php