Tag Archives: FL DUI Insurance

Where Can I Find Cheap FR44 Insurance In Florida?

Florida FR44 – Facts and Resources

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. Fortunately, it’s not  difficult to file an FR44. Once you’ve done so, you’ll be able to source  insurance quotes from a range of providers.

First, it’s crucial to recognize the differences between the SR22 and the  FR44. As a resident of a state that requires drivers to file an FR44 form,  you’ll almost certainly be required to pay upfront for your insurance coverage.  In fact, Florida law prohibits insurers from charging monthly premiums on FR44  policies. This restriction is designed to  protect the financial health of the  insurers that operate the state and penalize DUI-convicted drivers in equal  measure.

Handcuff Picture

Unfortunately, the high cost of FR44 policies means that this requirement  will force you to make a substantial outlay 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.

Ultimately, you’ll find affordable FR44 insurance quotes by searching online  aggregators or calling the various auto insurance companies that conduct  business in Florida. While you might be shocked by the cost of the policies that  you find, you may be able to reduce your total insurance costs by taking  advantage of certain discounts and credits.

Article Source: www.thelawdictionary.org

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!

 

 

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

FR44 and SR22 Insurance for Florida & Virginia Residents

FR44 & Insurance in Florida and Virginia

In some  states, such as Virginia and Florida, an FR-44 Filing may be required when you have a DUI / DWI / OVWI or other alcohol related violation. An FR44  filing is similar in theory to an SR 22, except that it may indicate that you  maintain more than just the minimum amount of coverage required by the state  requesting it.If you need an FR44, you will  likely be required to purchase more than just the minimum amount of liability  insurance.  Our agents can help you to determine what the requirements for  insurance are for your state, based on your situation.  Depending on the sate in  which you reside, we will help you to determine which form to use.

SR22 or FR44

The terms “sr22 insurance” and “fr44 insurance”,  much like “dui insurance”, are used by the general public, but are not official  types of insurance.  Our agency helps with auto insurance for people who have a  DUI or DWI on their records, as well as adding an SR22 or FR44 Filing to the  insurance policy.  When you contact us, we can help explain in better detail  what these terms mean.

What information do I need?
In many situations you may receive a 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.

Handcuff Picture
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 can FR44 & SR22 Experts help me with  my auto insurance?
We shop a variety on insurance carriers in over 42 states to help you compare the rates and coverage options so that you can choose  the price and amount of coverage that works for you.  Same day quotes are  available for auto insurance, even if you need an SR22 or FR44.  Our friendly  team works hard to understand your needs and to be here for you.
The auto insurance carriers with whom we work  can help drivers with:

  • DUIs & DWIs
  • SR22 filings –  same day available in most situations
  • FR44 filings –  same day available in most situations
  • Multiple point
  • Suspended Licenses
  • Foreign Drivers Licenses
  • And other tricky situations…

Florida DUI, SR22 & FR44 Insurance

Florida DUI Laws & Penalties

Florida DUI law is probably tougher than DUI law in most other states. Under Florida law, DUI is one offense, proved by impairment of normal faculties or unlawful blood alcohol or breath alcohol level of .08 or above. The penalties upon conviction are the same, regardless of the manner in which the offense is proven.
When you first get arrested for a DUI in Florida you probably sat in jail waiting to be released wondering why in the world they were keeping you so long? Well, here’s the specific criteria that must be met for the police to release someone after being arrested for a DUI offense in Florida:
  • The person is no longer under the influence and the person’s normal faculties are no longer impaired
  • The person’s blood/breath alcohol level is lower than 0.05; or eight hours have elapsed from the time the person was arrested.

 

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Here’s a brief overview of what you can expect if convicted of a DUI offense in Florida. The specific 1st offense DUI statute in Florida is 316.193 (3), F.S. and this is what it carries:

Florida DUI Fines

First DUI ConvictionNot less than $250, or more than $500. With Blood/Breath Alcohol Level (BAL) of .20 or higher or minor in the vehicle: Not less than $500, or more than $1,000.

Second DUI ConvictionNot less than $500, or more than $1,000. With BAL of .20 or higher or minor in the vehicle: Not less than $1,000, or more than $2,000.Third Conviction More than 10 years: Not less than $1,000, or more than $2,500. With BAL of .20 or higher or minor in the vehicle: Not less than $2,000.

Third DUI Conviction Within 10 years: Not more than $5,000. With BAL of .20 or higher or minor in the vehicle. Not less than $2,000.

Fourth or Subsequent DUI ConvictionNot less than $1,000. With BAL of .20 or higher or minor in the vehicle. Not less than $2,000.a DUI Penalties

 

For 316.193 (3) F.S. you’ll have these requirements:

Florida First Offense DUI Penalties:

  • Mandatory 50 hours community service
  • Fines of $500 to $1,000
  • Probation (not to exceed 1 year)
  • Jail time not more than 6 months
  • Jail time not more than 9 months (BAC .20% or greater)
  • License revocation for 180 days (max 1 year). Must complete an approved Florida DUI school prior to being issued a restricted license during the suspension period.
  • Ignition interlock system required for first time offenders with a BAC level of .15% or greater. An ignition interlock device is also required for individuals who were arrested for DUI with a child in the car. Ignition interlock device must be installed for 6 months for first time offenders.
Florida Second Offense DUI Penalties
  • Mandatory 50 hours community service
  • Fines of $1,000 to $2,000
  • Jail time not more than 9 months
  • Jail time not more than 12 months (BAC .20% or greater) or passenger under 18 years of age in vehicle
  • Mandatory imprisonment of at least 10 days (48 hours must be consecutive)
  • License revocation for 5 years, may be eligible for hardship license after 1 year.
  • Ignition interlock system mandatory for 2 years minimum
  • DUI school must be completed following suspension period.
Florida Third Offense DUI Penalties
  • Mandatory 50 hours community service
  • Fines of $1,000 to $2,500
  • Mandatory imprisonment of at least 30 days up to 12 months. At least 48 hours of confinement must be consecutive.
  • Minimum 10 years revocation. May be eligible for hardship license after 2 years.
  • Ignition interlock system mandatory
  • Completion of mandatory DUI treatment course
Florida Fourth or Subsequent DUI Offense Penalties
  • 3rd degree felony charge
  • Classification as habitual /violent offender.
  • Mandatory permanent drivers license revocation. No hardship eligibilities.
  • Fines of $1,000 to $5,000
  • Imprisonment not exceeding 5 years for life felony (habitual not exceeding 10 years)
Florida BAC Presumptions
  • BAC levels of .001% to .05% is presumed not to be under the influence
  • BAC levels of .051% to .079% is presumed not to be under the influence, but is admissible in court
  • BAC levels of .08% or greater are presumed to be under the influence
Florida Implied Consent Laws
  • Chemical testing is allowed. Breath test for alcohol and urine test for drugs. Blood test if an accident involves serious personal injury or death
  • Officer is required to advise the defendant of the penalties for test refusal
  • Test results of .08% or greater result in 6 month license suspension
  • Test refusal results in a 1 year to 18 month license suspension, which is admissible in criminal proceedings.
Chemical Testing
  • Chemical tests are presumed valid if the officer certifies substantial compliance with the laws and regulations of the Department of Law Enforcement
  • Blood test: Blood draws for police testing must be administered by a physician, nurse or other qualified person
  • Independent chemical testing by a qualified person is allowed. Defendant is responsible for all costs incurred with test
  • Test results must be made available to the defendant and the defendant’s Florida DUI lawyer, upon request
No matter if you are a first time offender or a repeat offender, your Florida DUI will carry serious consequences for your insurance premiums. You will either find that you are dropped by your insurance provider, or you will find that your premium cost skyrockets. This can even affect your family members that are on your insurance policy.

Florida Administrative Drivers License Hearing

In the state of Florida when arrested for a first offense DUI charge the arresting officer will confiscate the driver’s license and issue the driver what is referred to as a “Notice of Suspension”. This notice will act as the driver’s license for the next 10 days.
Important: A person who has been arrested on a first offense DUI charge in Florida only has 10 days from the date of arrest in which to request a hearing with the FLHSMV if they wish to avoid having their driving privileges automatically suspended for the next 6 months. If you hope to have a successful outcome at your hearing it is very important that you contact one of Florida DUI lawyers today to have our lawyers schedule your hearing and represent you at the hearing.
At the administrative license hearing the administrative hearing officer who has been assigned to hear your case will look at the evidence against you from the arresting officer including: BAC level at the time, field sobriety test results (if you submitted to them), and whether or not you submitted to a chemical test or refuse the chemical test.
The hearing officer will also hear testimony against you from the arresting officer and hear testimony in your favor from your lawyer, yourself, and any witnesses your lawyer has subpoenaed to appear at the hearing.

Florida DUI First Offense Penalties

Fines
A person convicted of a first offense DUI in court will face a fine amount of $500 to $1,000 for a blood/breath alcohol level of less than .15%. If the person’s BAL was above .15% or there was a minor in the vehicle at the time of driving under the influence the fine amount shall be not less than $1,000, and not more than $2,000.

 

Jail Time
A first offense DUI in Florida will result in a jail sentence of no more than 6 months in jail for a BAL of less than .15%. A BAL of .15% or greater, or with a minor in the vehicle at the time of driving will result in a jail sentence of up to 9 months.

 

Drivers License Suspension
A first offense DUI will result in the driver’s license being suspended for a minimum period of 180 days (if the driver was unsuccessful at winning their administrative drivers license hearing). If another person was killed or seriously injured as a result of the defendant’s DUI, their license will be revoked for 3-years with no chance of receiving a restricted license during the revocation period.

 

Before the FLHSMV will issue a restricted license during the suspension period the person must successfully complete the required DUI schooling. If the person waits out their suspension period they will be required to at minimum show proof of enrollment in a state approved DUI school prior to having their license fully reinstated. The driver must complete the DUI schooling within 90 days of having their license reinstated; otherwise their license will be cancelled and will not be reinstated until the person completes the required DUI School.

 

Ignition Interlock
For anyone arrested on a first offense DUI in Florida with a BAL of .15% or greater or a minor in the vehicle at the time, an ignition interlock device must be installed in their vehicle prior to being issued a restricted license or before full reinstatement of their license following the suspension period. The ignition interlock must remain in place for at least 6 months, possibly longer if deemed necessary.
DUI School
If you wish to obtain a hardship license during your suspension period you will need to complete an approved Florida DUI school prior to the DMV issuing you a hardship license. If you decide to wait out the suspension period, you will only need to show the DMV proof of enrollment in an approved DUI school prior to them reinstating your license following the suspension period.
Community Service
First time DUI offenders in Florida will also face a mandatory 50 hours of community service. If the person feels that are not able to perform community service they may be given the option of paying an additional fine in the amount of $10 for each hour of required community service, or $500 in additional fines.
Chemical Test Refusal
A first offense DUI chemical test refusal in Florida will result in a suspension period of 1-year with no chance of receiving a restricted license during the suspension period.

 

 Florida SR22 Insurance Information & Quotes

Once your suspension is over or you have been approved for a hardship or restricted license the FLHSMV will require you to file either an SR22 or FR44 insurance form with them. The only difference between an SR22 and an FR44 is the amount of liability coverage. An FR44 has twice the liability limits as an SR22 policy does.

You will be required to keep your SR22 or FR44 insurance filing with the Florida Department of Safety and Motor Vehicles for a period of 3-years from the date of being issued a hardship or restricted license or the full reinstatement of your license. If at any time during this 3-year filing period if there is a lapse in your insurance coverage your insurer is obligated by law to inform the FLHSMV of such a lapse.
If this happens the FLHSMV will send you a letter informing you that your driver’s license has been suspended and that you will have to pay another license reinstatement fee along with filing an SR22 form with them before they will issue you another license.

Once you become eligible for a hardship license or to have your license reinstated following your suspension period you will need to do the following:

1.    Signup for a Florida SR22/FR44 insurance policy.
2.    Take a copy of your SR22/FR44 policy to one of Florida’s DMV office locations.
3.    Pay the necessary reinstatement fees.
It is important that you avoid any lapse in your SR22/FR44 insurance coverage because a lapse in coverage will result in the mandatory 3-year SR22 or FR44 filing period with the FLHSMV starting all over again. For example, if you were 2-years into your SR22 filing period and had a lapse in insurance coverage, you would have to start the 3-year filing period from the beginning.
To avoid a lapse in coverage it is important to select a Florida SR22 or FR44 insurance policy with the lowest possible premium from the start. We have created a competitive quoting environment with the top SR22/FR44 insurance providers in the state of Florida. By clicking here you will receive  competitive Florida SR22/FR44 insurance quotes from the top insurance companies in your state.

Florida FR44 Insurance Information

If a driver in Florida is convicted of an alcohol related offense (e.g., DUI) after October 1, 2007, he or she will need to file an FR44 form with the Florida Department of Highway Safety and Motor Vehicles. This means that he or she will need to purchase Florida FR44 insurance.
Florida FR44 insurance is a high-risk liability insurance that establishes an agreement between an insurance company and the DMV. An insurance company files an FR44 form with the DMV, which ensures the DMV that a high risk driver is in fact insured. If that high-risk driver becomes uninsured for any reason, the insurance company files an FR46 form with the DMV, which alerts the DMV that this high-risk driver is no longer covered by a liability policy.
FR44 insurance provides liability insurance in the following amounts:
  • $100,000 for injury or death to one person in one accident
  • $300,000 for injury or death to more than one person in one accident
  • $50,000 for damage to property in one accident

How to Get Florida FR44 Insurance

Finding Florida FR44 insurance doesn’t have to be a long and complicated process. We have partnered with the top insurance companies in Florida to make this as quick and easy as possible for you.

How to Get Your Florida Driver’s License Reinstated after a DUI

To reinstate your Florida driver’s license after a first offense DUI:
  • Complete DUI School (and treatment if ordered)
  • Pay Administrative Fee of $130
  • Pay Revocation Reinstatement Fee of $75
  • Pay License Fee of $48
  • Buy FR44 Insurance
To reinstate your Florida driver’s license after a subsequent DUI, do all of the above, and install an ignition interlock device (IID) in your vehicle. (This will cost about $182 plus a $67.50 monthly fee.)

Florida Hardship Driver’s License

All hardship license applicants must fulfill all the reinstatement requirements, including FR44 insurance.
First time DUI offenders may apply for a hardship license in the county in which they live.
If this is your second offense within 5 years, you may apply for a hardship license after serving one year of revocation. If this is your third offense within 10 years of a second offense, you may apply for a hardship license after serving 2 years of your revocation. If this is your fourth or subsequent offense, you may apply for a hardship license after serving 10 years of your revocation.
In order to apply for a hardship permit, a subsequent offender must receive a favorable recommendation from the Special Supervision Services Program and must remain in the Special Supervision Services Program for the remainder of his or her revocation period.

Florida Ignition Interlock Law

If this is your first offense DUI, you may be ordered to install an ignition interlock device in your vehicle. If this is your first offense DUI, and you had a BAC of 0.15 or higher, you will be ordered to keep an ignition interlock device installed in your vehicle for at least 6 months. Subsequent DUI offenders are also required to install IIDs in their vehicles, for the following periods of time:
  • 2nd offense – at least 1 year
  • 2nd offense w/ BAC of 0.15 or higher – at least 2 years
  • 3rd offense – at least 2 years
  • 4th or subsequent offense – at least 5 years

 

For More Information:
For more information about driver’s license reinstatement or Florida FR44 insurance, call the Florida Department of Highway Safety and Motor Vehicles at 850-617-2000.

FR44 Florida Auto Insurance Facts For DUI Drivers

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 policyis 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. Available through independent agents are; Progressive, Dairyland and Foremost accepting most drivers, Mercury and Infinity which are more restrictive, and Travelers which declines altogether. Foremost and Progressive is the only ones offering monthly payments. Others include; Allstate accommodating current clients only, Geico requiring payment in full, and the biggest company of all, unlike a good neighbor, rejects totally.
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. Also, this risk group has been very profitable for companies (agents too) and therefore competition will likely increase. After 3 years rating points from the DUI are removed while discounts continue.
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 Select Insurance Group is 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. Select Insurance Group  provides competitive FR44 Florida auto insurance quotes. www.selectsr22insurance.com.  855-GET-SELECT (855-438-7353)