FR44 Insurance in Florida: General Questions with Complete Answers

When did the FR44 insurance procedures become effective? What are the requirements for one? What type of policies are eligible for compliance?

As of October 1, 2007, a convicted person in the DUI in Florida must maintain increasing limits to cover car accident coverage. The minimum amounts is $ 100,000 per person, $ 300,000 per incident of bodily injury liability and $ 50,000 of damage damage liability. The common limit of $ 300,000 is also acceptable. You must submit liability through the Florida policy. This may be an auto insurance policy or operator policy where there is no way to secure it. One insured for a vehicle less than 4 wheels is not eligible because this type does not cover personal injury protection coverage (PIP).

Flexibility to commit to a variety of policy types, as policyholders or as an additional driver, enables a convicted driver to secure a perfectly suitable one. For example, the young operator often finds a lower rate as an additional driver of their parents' policy. In the past, another good option was to provide a motorcycle that could be less than $ 100.00 a year. Unfortunately, Florida no longer permits the deposit of this kind.

Are all drivers with DUI for Florida requiring FR44 insurance? How long does this condition remain valid?

To clear the FR44 DUI case for re-authorization, the driver requests receipt of the violation before November 1, 2014, to provide evidence that the mounting compound liability was 100/300 / 50k insurance valid at the time of the violation date or must Purchase policy FR44 for three years from the date of original comment . After November 1, 2014 all convicted drivers in DUI will be required to purchase and maintain FR44 policy, which can not be canceled, for three years from the date of restoration of DUI.

When can I re-license after I buy a policy? How is Florida DMV notified that my FR44 requirements have been met? Can I get a FR44 certificate at the point of sale?

The FR44 form (certificate) is submitted by the company to the Florida Office of Financial Responsibility. As required by law, are electronically transferred within 15 days after commencement. Companies are usually sent to the office at the point of sale, and the DMV database will be updated within 24 to 48 hours allowing for re-authorization.

Some companies will produce a "hard copy" certificate at the point of sale which can then be combined with proof of insurance and faxed to the local DMV office, from the agency or company with the specific cover page. These are the fastest ways the convicted driver can re-license.

As companies send FR44 electronically to the state, they take a special request for a direct issuance to the holder of the document. They are usually typed, then faxed or e-mailed, and it usually takes up to two hours to complete them. If you are in a hurry, you know before you buy, or even before you get a quote, if the certificate is available immediately.

What is the cost of this cost? What are the cheapest ways? Are there fees for the deposit and re-work fees in addition?

There is a deposit fee of $ 25.00 per person. A license fee is required for drivers who did not have increased liability limits of 100/300 / 50k on their policy at DUI time. However, the total cost is determined by a set of unique variables for each person including location, age, date, vehicle type, etc. Typically, the cheapest way to secure FR44 is the policy of operators or non-owners. Which does not include a car. This type of policy is not available for drivers, who have access to the car, or that require an internal device.

Can I cancel the service? Is it permissible for the insurance company to cancel? If I cancel, can I replace it with another one?

As of May 4, 2012, all policies submitted in Florida are not permitted. Companies may cancel only within the first 30 days during eligibility determination. Of course, there are many legitimate reasons to cancel a policy such as moving to another state, selling your car, marriage, etc., and there is a way to cancel these policies. Authentication can be submitted to remove the FR44 deposit from an existing policy, and then this policy can be canceled. Keep in mind that if FR44 is still in effect, the canceled policy should be replaced or the driver's license will be suspended. Upon cancellation, you may be asked to provide a registered legal statement indicating your reason and how you intend to continue to comply. Of course, at the end of the compliance period during the policy period, all restrictions may be removed from this policy.

Can I get a monthly payment plan? Does the state of Florida require full payment? Can I have more than one policy?

Because it can not be canceled, companies will be required to pay in full. Unlike the cancellation requirement, a full payment claim is not an official mandate. As companies do not have the freedom to cancel a non-payment policy, they will not provide payment plans in general. However, there are a few, in limited circumstances, that allow the payment plan. One of them recently started offering installment payment plans for all renewal policies. Keep in mind that companies offer a large discount on full payment and FR44 does not cancel this discount. There can only be one file per driver, however, the driver can have more than one policy and this creates additional flexibility.

When will FR44 users not be needed? How do I contact the Florida Auto Department?

The best way to find out is to contact the Florida Department of Motor Vehicles and tell them the exact date of your requirements. I recommend that you contact them by e-mail at for a written response. When you are within 60 days of terminating the requirements, you may be responsible for 100/300/50 without having to actually submit them and you will be considered in compliance. This option can be especially useful when starting a new policy such as payment plans, excluding drivers, and all other options you can take.

Source by Clifford J Schimek