When Do You Need FR44 Insurance?


It’s Sam Ridgeway again with MyFloridaFR44.com. And today we’re going to answer the question, when do you need fr 44 insurance? If you are convicted of driving under the influence of drugs or other intoxants, you’ll need a Florida fr 44. In fact, this will be a requirement in order to get your driver’s license reinstated. The court will order you to get FR 44 insurance, so if you haven’t been told you need it, you’re probably okay. However, if you’ve been convicted of a DUI, I would check with the Department of Motor Vehicles just to verify your status. Many times they suspend driver’s licenses with no prior notification. Now they claim they notify people, but there have been far too many of our clients that didn’t receive anything prior to that suspension. So just check to make sure. Now, the FR 44 filing process must be completed successfully before a Florida DUI driver can reinstate their license. The requirements are 100,000 for each person you might hurt, 300,000 for multiple people you might hurt, and 50,000 to cover any property damage. You may see this just listed as 100, 300, 50. To put this in perspective, the state requirements in Florida for non high risk drivers is 10, 20, 10.

So as you can see, the FR 44 at 100-300-50 is far higher and it’s more expensive. After a Florida FR 44 policy is issued, it cannot be canceled. You will need to keep an FR 44 for a period of three years from your conviction date. If you let the policy lapse at any point within that time frame, your license will be suspended immediately and your three years will start all over again. As you can see, it’s very important that you never let your FR 44 policy lapse. It should also be noted you don’t actually need to purchase a Florida FR 44 if you have no intention of operating a motor vehicle. If you simply wait for three years from your conviction date to drive, the FR 44 requirement will fall off your record all by itself. Unfortunately, most consumers and many insurance agents are totally unfamiliar with the Florida FR 44 insurance process, and recent changes to the law only add to that confusion. At FR 44 and SR 22 experts, we specialize in high risk insurance. We also impartially shop the market with over 10 A or better rated companies in order to find you the absolute best price.

And since insurance companies can charge pretty much whatever they want on high risk policies, the pricing varies sometimes by over $1,000 for the exact same coverage from one company to the next. So call us today at 1 855 678 6977, or use our free quoting engine at .sr22coverage.com. We even have bilingual agents available if you need them. In under five minutes, we’ll get you the lowest price on your insurance and we’ll provide unparalleled customer service if you ever have a question or issue in the future. We’re looking forward to help you get your driver’s license reinstated and we’ll have you back on the road the same day. That’s it. We’ll talk to you later.