Is FR44 the insurance policy itself, or something separate?
FR44 is a certificate — not an insurance policy. Like the SR22, the FR44 is a Certificate of Financial Responsibility that your insurance carrier files with the state to prove you have active liability coverage meeting Florida's enhanced DUI limits ($100,000/$300,000/$50,000). You buy the insurance policy; your carrier files the FR44 certificate.
FR44 = Certificate, Not Policy
People say "FR44 insurance" as shorthand, which creates the impression that FR44 is a type of insurance. It's not — it's a form. You purchase an auto insurance policy (or non-owner policy) with liability limits that meet Florida's FR44 requirements. Your carrier then generates the FR44 certificate and files it electronically with the DHSMV.
How It Parallels SR22
FR44 and SR22 work the same way mechanically — both are certificates filed by your carrier. The difference is what they certify:
- SR22 certifies your policy meets the state's standard minimums
- FR44 certifies your policy meets Florida's enhanced DUI limits ($100,000/$300,000/$50,000)
If your policy cancels, your carrier files a cancellation notice with the state — an SR-26 for SR22, or the equivalent for FR44 — which triggers a license suspension.
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