How Do You Get FR-44 Insurance in Florida? Here What You Need to Know
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The FR-44 Insurance Florida or FR-44 filing was instituted by the state to insure that a driver who has been convicted of a DUI charge has a 100/300/50 liability limit.
This means there is a coverage of $50,000 for property damage, $300,000 total bodily injury liability and $100,000 bodily injury liability per individual.
Both the total bodily injury liability and property damage liability coverage are per accident.
Filing and Duration of Florida FR-44 Insurance
FR44 insurance in Florida is required because the state mandates that anyone who has been convicted of DUI to have a higher bodily injury limit to safeguard the populace in the event the person hurts another individual or causes property damage. Filing of the Florida FR44 insurance is done online once the policy process has been completed.
How long do you need to carry this?
The amount of time you have to carry the insurance will be decided by the state, although in majority of the cases it is three years. Once you are convicted of DUI you will be notified and you’ll need to apply for the FR-44.
The following information shows you how this is done. This article also explains the difference between the FR-44 and the SR-22 Insurance.
While the FR-44 is required in Florida and Virginia, there is a difference between the two, and that is explained here as well. We also offer suggestions on how to find the most affordable FR 44 online.
How to Apply for FR-44 Insurance in Florida?
There are many websites today that offer FR-44 insurance Florida quotes so you can start looking there. While you’re researching it’s also a good idea to compare car insurance quotes and get the lowest rates possible. We offer free car insurance quotes online here.
You will be assigned a case number, and you need to provide that with the FR-44 service you chose, after which they will provide you with the proper form.
When the paperwork has been processed you can buy the FR44 insurance without vehicle and receive a temporary identification card and the FR-44. Note that this is just the general process and those offered by other services may be different.
How Much Does It Cost?
The cost is determined by several factors such as your age, driving record, claims record etc. so it is difficult to give a precise estimate of how much this will cost. The best way to find the cheapest FR44 insurance is to get quotes online and compare the rate.
When you do get the insurance, you need to pay in full as partial payments are not allowed in the state. However, you can get this policy even if you don’t own car via the non-owner FR44 policy.
Differences Between an FR-44 and SR-22
An SR-22 insurance is a filing that is joined to a vehicle insurance policy, as your car insurer will notify the state that you have insurance and a high risk driver. Furthermore, the filing agreement means your car insurance provider has to inform the state if your policy is cancelled. Usually those with an SR22 have to pay higher premiums than those who don’t.
The FR 44 is applicable in Florida and Virginia only and is often called the DUI insurance. Under Florida state law, drivers guilty of DUI have to buy the FR44, which is significantly higher than the minimum car insurance required by the state. This liability insurance is, as was stated earlier, going to be used to cover for injuries and property damage that may be inflicted on other parties.
The normal requirements for SR22 in Florida is:
- Bodily injury liability coverage (per person/per accident): $10,000/$20,000
- Property damage liability coverage: $10,000
The reasoning behind this law is that drivers who have been convicted of drunk driving are probably going to commit the same offense, which statistics support. Drunk driving is potentially destructive and can be fatal. The state has imposed a higher insurance requirement to protect the other party in case the driver causes another accident.
How to Find Affordable FR-44 Insurance Florida on the Internet?
If you’re looking for cheap FR-44 insurance Florida the best thing you can do is to shop around online. There was a time when only SR22 resources and services were available on the web but now that’s no longer the case as you can find several companies offering insurance for high risk drivers.
Finding is easy:
As long as you have an Internet connection you can browse the web and find several companies that provide different types of FR-44 assistance.
Everyone has an opinion as to which of these services is the best. But at the very least the website must have information about FR-44, how it works, who needs it, the cost and so on. Second, the service needs to provide information on how you can get your license reinstated and other related data.
Get Quotes and Compare Rate:
While the number of services offering assistance has increased, the cost varies. So, you should take a look around: get quotes not just from your insurance provider but other sources as well. This is going to take some time yes, but it will make your life easier later on. Also, it is better to do the research now than wait later when you are already involved in an accident.
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While you’re looking for FR-44 insurance Florida, now is a good time to determine just how much coverage you need. The state of Florida has made that clear, but keep in mind that the figures given here are only the minimum requirements. If you think you need more, there’s no reason not to get one. What it comes down to is the cost of the monthly insurance versus not having enough coverage if you cause another accident, hence the need for study and research.