Florida SR22 Insurance

Florida  SR22/FR44 Insurance

Florida SR22 Insurance (10/20/10 Coverage) and Florida FR44 Insurance (100/300/50 Coverage) can appear to be complicated. Everything you need to know is in this article.

Florida SR22

Drivers in Florida may be required to file an SR-22 form with the state for one of the following:

  • Accumulation of points on driving record
    • 12 points in 12 months
    • 18 points in 18 months
    • 24 points in 36 months
  • Failure to pay child support
  • Incapable of operating a motor vehicle safely
  • DUI see FR-44 Insurance

How long is the SR-22 filing required?

Depending on your court ordered probation the usual time period to carry an SR-22 is three years. The SR-22 will stay on your auto insurance policy as long as it is not cancelled so when your probation is over be sure to remove it from the policy.

I accidently let my SR22 insurance cancel, what happens now?

Once the policy is cancelled the insurance company will report to the state motor vehicle department that the SR-22 is no longer in force. At this time your license will be suspended again until you reinstate the auto insurance policy. The bad news is that your probation period is likely to start over so it will be longer before you are done.

How do I get the cheapest Florida SR22 policy?

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Cheap Florida SR22 Insurance

Florida FR44 – DUI Conviction

If you were convicted of driving under the influence (DUI) in Florida there are increased requirements for insurance. You will be required to carry liability limits of:

  • $100K per person
  • $300k per accident
  • $50k property damage

The Florida Uniform Financial Responsibility Certificate FR-44 is required for three years unless a judge determines differently. There are no driving restrictions associated with the FR44 form but the court may limit your driving based on the offense. The addition of the Florida FR44 is only $15 but the increase in your auto insurance will be due to the DUI you received.

Do not let your auto policy lapse   because the insurance company will notify the state and you may be suspended again.

Florida Liability Insurance Requirements

The state of Florida requires liability insurance to protect other drivers in the event of an accident. The minimum limits are:

  • $10k Per Person Bodily Injury
  • $20k Per Accident Bodily Injury
  • $10k Property Damage

These limits are also required for filing an SR-22. Ask your insurance agent what they recommend based on your financial position. If you need to file a Florida FR44 you will be required to have higher liability   limits.

Suspended License and Reinstatement

Each case is different and the type of suspension can determine what is required to get your license reinstated. Below is a list of state links to the appropriate action needed:

Failure to pay child support

Habitual Traffic Offender

Violation resulting in death or personal injury

Unpaid tickets

Incapable of operating a motor vehicle safely

Driving Under the Influence (DUI) in Florida

State of Florida Blood Alcohol Concentration limits:

  • All drivers .08 or above
  • Commercial drivers = .04 or above
  • Under age 21 = .02 or above

Implied Consent Law

When you get a drivers license in Florida you consent to a chemical test when you are suspected of driving under the influence of drugs and/or alcohol. If you refuse this test your license will be suspended for one year. If you are involved in an accident with serious injury or death the officer may force you to take the chemical test.

Need to Install an Ignition Interlock Device (IID)?

The ignition interlock device program is designed for those drivers who have been convicted of driving under the influence of alcohol. It is the sole responsibility of the driver to get the IID installed from a certified provider on each vehicle they operate.

How much does the IID cost?

Standard installation is  $70 plus a refundable $100 deposit due at installation. Another $67.50 is for monthly monitoring and calibration. For more information contact a certified IID provider.

Interlock Systems of Florida                 (866) 837-8646

Interlock Group of Florida                 (800) 728-7396