Tag Archives: FR44 Insurance in FL

Florida FR44 Insurance Companies

Insurance Company Listing

Peak Property and Casualty Insurance Company a/k/a Dairyland Insurance –  offers FR44 policies paid in full only to select clients.

Mercury Insurance Company was established in 1962 by George Joseph in Los Angeles. A.M. Best Company has rated Mercury an A+ “Excellent” company. Celebrating their 50th anniversary in 2012, Mercury believes one reason for their success is the trust they’ve built with customers. Forbes magazine has named Mercury one of “America’s Most Trustworthy Companies.” Mercury gives full support to their independent agents.

Mercury consistently maintains very strict underwriting (qualifying) rules and guidelines which enables them to  keep rates low. Policies requiring the FR44 filing may take as long as two weeks for approval by the company. Generally, the DUI can be the only blemish on the driving record. Mercury currently offers payment plans for FR44  policies and allows for electronic signatures which eases and expedites the application process. If you qualify, this is a great company to be insured with.

Infinity Insurance Company is a top leader in quality insurance services and products. This company has been successful since 1950 and their headquarters are located in Birmingham, Alabama. Infinity Insurance Company consistently receives high ratings for financial strength by all the reputable rating agencies.

Successful applicants approved for a policy with FR44 will have to pay for the insurance in full without the benefit of any type of payment plan. Although the company does not allow for a non owner FR44 policy, they will provide non owner policy for a Florida SR22. Successful applicants will have their FR44 filed within 24 to 48 hours. The company provides for electronic signatures. Infinity also offers policies for commercial trucks and vehicles, which can also have a filing. From our experience here at the agency, they have become quite competitive recently. They are eager for business, and there low rates demonstrate that.

Foremost Insurance Group Company, headquartered in Grand Rapids, Michigan, was founded on June 12, 1952 by Edward J. Frey, Edward L. Stoddard and several investors. Foremost was acquired by the Farmers Insurance Group on March 12, 2000. The financial strength of Foremost Insurance Group was rated A by the rating company A.M. Best. They accept most types of drivers with different driving histories.

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Foremost is one of the more flexible companies that we work with. They will accept a wide variety of vehicle types and drivers with varied histories, including those with a currently suspended license, and filings are completed within 24 to 48 hours. Another great thing about Foremost is that a hard copy of your FR44 certificate is available immediately after purchasing the policy. With many companies you will have to wait for the certificate due to the special handling and processing that certificates require. Whether you need an FR44 or SR22 filed, or just want to
save some money on your current policy, Foremost is an excellent company with a great track record and competitive prices.

Progressive Insurance Company was started on March 10, 1937 by two lawyers named Joseph Lewis and Jack Green and became a public company in 1971. Progressive auto insurance can be purchased online, by phone or through independent insurance agents. Progressive also offers insurance for motorcycles, boats, commercial vehicles, snowmobiles, RV’s and more.

Like Foremost, Progressive is a very flexible company and will offer FR44 policies with many different violations on the driving record. Also, the FR44 filing can be done with motorcycle insurance Progressive which is often considerably less than a car insurance policy. Policies can be written while a driver license is suspended and filings are completed within 24 to 48 hours. Progressive does not offer payment plans for FR44 policies.

Progressive makes purchasing insurance very simple and easy. After you submit your down payment, you can sign the application online and print out your ID cards right from home! It only takes a few minutes. Also, this company has always been a leader in quality customer service. And just one example of how they do that is they are open 24/7 to answer questions, take payments, and help with any concerns you may have. You can also make payments, changes, or check your coverages right online with ease anytime. Their new snapshot program is just another way you can save with this company. Safe drivers can save up to 30%. “Now that’s Progressive!”

GMAC Insurance Personal Lines Group is one of the largest automobile insurers in the United States. GMAC Insurance Personal Lines Group offers property and casualty products, including personal auto, RV, motorcycle, commercial auto and more. With a nationwide network of claims professionals and a 24-hour, toll-free claims hotline available 365 days a year, GMAC Insurance provides superior claims service for its customers.

GMAC has strict underwriting rules and guidelines which disqualifies many drivers, but keeps rates low for others. This company will offer a policy for FR44 only if insured has prior Bodily Injury Liability of a least 25/50. There are other restrictions however, even if prior is 25/50, such as territory may not be open for new business and there must be an equal number of drivers and vehicles.

Travelers Insurance Company’s main offices are located in New York, N.Y., Hartford, Connecticut and Saint Paul, Minnesota. Field or branch locations are in all 50 states, Canada, Ireland and the United Kingdom. Traveler’s is one of the largest property casualty companies and the second largest writer of commercial U.S. property insurance. This is a great company to be insured with and we are privileged to be working with them, however, they do not offer policies to any driver convicted of a DUI.

Kingsway Amigo does not offer a policy when your license is suspended and does not offer a rate when SR22 or FR44 is required.

Windhaven does not offer FR44 polices and they do not offer BI higher than 10/20 for any policy. They do
however offer SR22 owners policies.

Allstate provides FR44 policies but only to their current clients.

State Farm does not offer FR44 insurance.

GEICO offers FR44 policies paid in full only to select clients.

 

 

 

 

 

 

 

 

 

 

(original article located at http://floridafr44.com/fr44insurancecompanies.html)

FR44 Insurance in Florida – What You Need to Know

Florida FR44 Insurance

If you need another reason to avoid a DUI conviction, consider the fact that a Florida driver’s license suspension for a Driving Under the Influence (“DUI”) conviction will cause your auto insurance rates to increase dramatically for the next five years.

Increased Insurance Premiums with FR-44 Insurance

Your Florida auto insurance premiums could increase by 200% to 300% from the amount you paid prior to your DUI arrest. Even worse, your insurance company may cancel or fail to renew your automobile insurance coverage in Florida. If you shop for new automobile insurance after being canceled from your old insurance company, the fact that your auto insurance is canceled will cause an additional increase in insurance premiums.

For many the increase in insurance premiums is so dramatic that maintaining automobile insurance becomes difficult or impossible. Any lapse in insurance will result in an automatic suspension of your driver’s license under Florida law.

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Higher Policy Limits

On February 2, 2008, the Florida Department of Highway Safety and Motor Vehicles (“DHSMV”) introduced the new financial responsibility certification required under Section 316.193, Florida Statutes. The certification is a form called a Florida FR-44 Form and is similar to the SR-22, which was required prior to February 2, 2008. One of the differences between the new FR-44 form and the old SR-22 form is that higher liability limits are now required.

After a DUI conviction in Florida, your license will be suspended by order of the court. In order to reinstate your Florida driver’s license, you will be required to obtain a FR-44 Form which must be maintained for three years. You obtain the FR-44 form from your auto insurance company. As soon as you ask for the FR-44, your auto insurance company will know that your driver’s license has been suspended for a Florida DUI conviction, and your status will be changed to “high risk” causing the increased premiums.

Obtaining the FR-44 Form

The Florida FR-44 Form is a certificate of continuing financial responsibility showing the limits of your automobile liability insurance that must be kept on file with the Florida DHSMV for three years from the ending date of any revocation. The Florida FR-44 form also requires the insurance company to notify the DHSMV if your insurance policy is canceled, terminated, or lapses for any reason.

You must increase your auto insurance policy to comply with Florida FR-44 liability limits, which are 100/300/50. The 100/300/50 limits means that you must have bodily injury liability insurance in the amount of $100,000 per person, $300,000 per occurrence and $50,000 property damage liability coverage. To reinstate your Florida driver’s license, you must usually pay a reinstatement fee of $150 (for a first suspension), $250 (for a second suspension), or $500 (for a third suspension).

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.

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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…