With so many types of auto insurance coverage options, you may wonder which ones are the best when you need SR22 or FR44 insurance. Without a doubt, essential auto insurance coverage is what you need at the time of loss.
Circumstances differ with each accident, so it isn’t easy to predict which coverage will provide the best safety net in a particular situation. We know that Florida law requires specific minimum coverage. Additional coverage options are available to automobile owners according to their personal preferences.
Whether you’re looking to insure a new car or motorcycle or must file an SR22 or FR44 insurance certificate in Florida, UltraCar Insurance helps you navigate the situation efficiently. Let’s look at popular types of auto insurance coverage before discussing insurance requirements for high-risk drivers in Florida.
The essential coverage you need before getting on the road is the minimum liability coverage the state requires. Every state has specific auto insurance that every driver must maintain.
As in every state, Florida vehicle owners must carry minimum liability insurance. UltraCar Insurance recommends that all drivers follow these requirements. If the policyholder causes an accident, their insurance covers medical expenses and the other party’s property damage claims. In many cases, getting coverage over the minimum requirement is helpful to avoid paying high out-of-pocket costs in an unfortunate accident.
This coverage is crucial if your vehicle crashes into another car or object. In this situation, your auto insurance company will pay for all the expenses to repair or replace your vehicle.
While liability-only policies reimburse the accident victim’s expenses, collision coverage protects your vehicle, regardless of who is at fault in the accident. Collision coverage is generally mandatory for drivers with leases or vehicle loans.
This coverage is helpful if your vehicle is of high value and you can’t afford to repair the damage if you have an accident. Even if your car is totaled, collision coverage will reimburse the value of your automobile.
Bodily Injury Liability Coverage
This insurance option would cover all medical expenses for victims of accidents if you were at fault. Like property damage liability, this coverage does not apply to the driver. The state does not require Bodily Injury Liability coverage for most drivers in Florida. However, you may need to add this option to your insurance policy after a DUI or DWI conviction.
Underinsured/Uninsured Motorist Coverage
Underinsured or uninsured coverage is mandatory in many states across the country. Without it, you’ll have to pay for your accident expenses if a driver with insufficient or no insurance hits your vehicle. But with this coverage, your auto insurance company will handle the case and pay the damages.
High-Risk Auto Insurance in Florida
You can face severe consequences if you drive with inadequate auto insurance in Florida. Penalties for uninsured driving include hefty fines, vehicle impoundment, car registration revocation, license suspension, and even jail time in some instances.
Suppose you have a suspended or revoked license for repeated traffic violations, causing an accident while driving without insurance, or driving with a suspended license. In that case, you’ll need a reliable auto insurance provider like UltraCar Insurance to file an FR44 or SR22 insurance certificate with the DMV on your behalf.
What is SR22 Insurance? Why is it Needed?
Often mistaken as an insurance policy, an SR22 certificate is a financial responsibility form. When an insurance provider files this form with the DMV, it proves the driver meets the state’s minimum liability insurance requirements.
Drivers with an SR22 or FR44 insurance certificate attached to their insurance policies must maintain it without lapse for three years or as the court orders. Suppose the driver fails to pay their premium or terminates the policy. In that case, the insurance company must inform the DMV and the resulting lapse in coverage results in the suspension of the driver’s license.
FR44 Insurance in Florida
Besides Virginia, Florida is the only other state where license suspension for drunk driving or other substance-related violations requires filing an FR44 certificate. The state considers drivers with this record to be high-risk drivers. It requires them to carry FR44 insurance, proving they are financially responsible and eligible to operate a vehicle.
Whether an SR22 or FR44 insurance certificate, these certificates are the best way to avoid coverage gaps that cause license suspension. Renewing your SR22 or FR44 policy a few days before the expiration date is best to prevent license suspension. Moreover, sometimes auto insurance carriers decline to continue coverage. If that happens, you’ll have ample time to find another insurance provider to issue a new policy.
Getting Non-Owner SR22 or FR44 Insurance Certificates
You may occasionally drive a borrowed vehicle even if you don’t own one. You can still get a suspended license if you get multiple traffic citations or a substance-related conviction while driving a non-owned vehicle. Reinstating your license requires filing either a non-owner SR22 or non-owner FR44 certificate.
Need an Ignition Interlock Device?
Drivers requiring FR44 insurance may often need an ignition interlock device (IID) installed in their vehicle. As a service to our customers, UltraCar Insurance partners with Intoxalock® to help you install an affordable ignition interlock device.
Get Insured, Save Money
If you’re in the high-risk driver category and have been shopping around to find the best rates, we’re glad you found us! UltraCar Insurance helps drivers get cost-effective insurance coverage for all types of vehicles. After a license suspension, high-risk certificates are mandatory to reinstate driving privileges. The good news is that certificate filing is usually very inexpensive.
Our specialists are well-versed in state compliance laws and Florida’s SR22 and FR44 insurance certificate filings. Whether you need an auto or motorcycle policy, non-owner SR22 insurance, Non Owner FR-44 Insurance Florida, or an out-of-state filing, we’re here to to help.
Let UltraCar Insurance help resolve all your insurance and licensing issues. Our extensive experience allows us to help hundreds of drivers regain driving privileges with fast, accurate filings for Florida SR22 or FR44 insurance.
Please speak with one of our qualified agents by phone, submit a contact form, or click the quote button for an online quote today!
This article was last updated on February 20th, 2024 by UltraCar Insurance