Using a cell phone or other electronic device while driving has led to an increase in distracted driving accidents nationwide. Cell phones have become an indispensable part of our lives. But studies have shown that any use of a cell phone to read, write or send messages while operating a vehicle is six times more dangerous than drunk driving.
News Archives
This is the News Archives for UltraCar Insurance. Your source for SR22 & FR44 Insurance.
Distracted Driving and SR22 Insurance
Many states are considering and enacting distracted driving laws. This is in response to the widespread use of cell phones and other electronics while driving. Texting and driving in particular is more likely to result in accidents than DUI or DWI by alcohol or drugs. Repeat distracted driving offenses can result in loss of your drivers license, requiring you to buy SR22 insurance for reinstatement.
General Liability Insurance Cost
Protecting your business from legal claims is important, but you may be concerned about general liability insurance cost. A number of factors will determine what your GL insurance costs may be. By keeping in mind the risks associated with your type of work, many benefit options can be considered and tailored to your needs.
You’ve thought about protecting your business from liability, but worry whether you can afford the general liability insurance cost. You’ve worked hard, taken risks, sacrificed, and spent capital to launch your business. So protecting it against unforeseen accidents, injuries and property damage is important.
Commercial Auto Insurance Cost
Commercial auto insurance cost is an important financial matter for business owners who use vehicles to provide their products or services. A number of factors affect the cost of commercial auto insurance. These include type of business, number of vehicles, daily miles driven and other considerations specific to each business.
As a business owner, you may wonder if you need a commercial auto insurance policy and how much it will cost. Following are tips about commercial auto insurance cost that will save you money in the long run. If you use one or more vehicles for business purposes, commercial auto insurance protects you and your business from hardship in case of a an accident.
Cheap Non Owner SR22 Insurance California
What should you expect to pay for cheap non owner SR22 insurance California? Each person’s cost for non owner SR22 insurance depends on the reason for their SR22 requirement, their driving record, where they live in the state, and other factors. No single cheapest rate for California SR22 insurance applies to everyone.
What is cheap non owner SR22 insurance California? Non owner SR22 is a high-risk insurance certificate you file for California license reinstatement if you don’t own a vehicle. “Cheap non owner SR22 insurance” is a term that defines the value of a reasonably priced non owner SR22 policy. But that term is used and misused by many insurance companies as an advertising gimmick.
Florida FR44 Motorcycle Insurance
Did you know you can endorse an FR44 certificate to your motorcycle insurance policy? Florida FR44 motorcycle insurance allows license reinstatement after a DUI conviction. Often, an FR44 endorsement of a motorcycle insurance policy can be more affordable than an auto policy endorsement.
We currently do not offer Florida FR44 or SR22 motorcycle policies.
If you need FR44 insurance, UltraCar Insurance will endorse a Florida FR44 motorcycle insurance certificate to your motorcycle, scooter, or moped policy.
South Carolina SR22 Insurance Cost
South Carolina SR22 insurance cost is a concern when you need high risk insurance for license reinstatement. The factors considered in determining your SR22 cost are similar, regardless of the insurance company that files your SR22 certificate. These factors vary from person to person.
One of the most common questions about license reinstatement is, “What is my South Carolina SR22 insurance cost per month?” The cost can be anywhere between $60 and several hundred dollars monthly. Your cost will be lower for a non-owner SR22 insurance policy and higher if you own a vehicle or want full coverage insurance. If your suspension is for a DUI offense, you’ll pay much higher premiums for South Carolina SR22 insurance.
I have no car but need SR22 insurance
When you have no car but need SR22 insurance, you’ll file a non owner SR22 certificate for license reinstatement. Because there is no vehicle to be insured, non-owner SR22 insurance is cheaper than SR22 insurance with a vehicle. However, your cost for non owner insurance still depends on factors that vary from person to person.
Your license has been suspended, and you have no car but need SR22 insurance. The DMV tells you that you’ll have to pay a reinstatement fee and file an SR22 certificate to reinstate it. You’ve called a few companies. But since you don’t have a car and/or a valid driver’s license they can’t issue a non owner policy with an SR22.
What is FR44?
What is FR44? Florida and Virginia have two separate certificates for license reinstatement. One, SR22, is for motor vehicle violations unrelated to alcohol or drugs. The other, FR44, is for DUI-related offenses. To reinstate your license after a DUI or DWI conviction, you need to file an FR44 certificate with the state.
What is FR44? In Florida and Virginia, you must attach a financial responsibility form to your auto insurance policy to reinstate your license after a DUI/DWI conviction. Florida and Virginia are the only states that require this form specifically for DUI/DWI offenses. On January 1, 2008, Virginia was the first state to introduce it, and Florida became the second state to adopt it.
What is FR44 insurance?
There’s a difference between SR22 and FR44 insurance in Florida and Virginia. Non-alcohol suspensions require an SR22 filing. However, for a DUI/DWI suspension, you’ll need to file an FR44 certificate. See Florida SR22 FR44 and Virginia SR22 FR44 Insurance for additional information.
The minimum liability coverage requirements for F44 insurance are much higher than for SR22 insurance, especially in Florida. The higher coverage significantly impacts your auto insurance rate if you own a car.
Minimum coverage requirements for FR44 insurance in Virginia are 60/120/40:
- $60,000 bodily injury per person
- $120,000 bodily injury per accident
- $40,000 property damage per accident
- $30,000 per person / $60,000 per accident uninsured motorist bodily injury
- $20,000 uninsured motorist property damage
The minimum coverage requirements in Florida are much higher: 100/300/50.
Why do I need DUI insurance?
DUI insurance is high-risk insurance for people convicted of a serious driving offense – especially DUI/DWI. The state is interested in ensuring high-risk drivers are always insured when driving a vehicle, whether they own one or not. People usually have to carry this insurance without a lapse of coverage for three years. The certificate is also a monitoring device. If coverage lapses even one time, the insurance company notifies the state DMV by filing an FR-46 form. This filing cancels the existing certificate, resulting in immediate license suspension.
Frequently asked questions about what is FR44
“Is FR44 a stand-alone insurance policy?” The answer is no. The certificate does not exist on its own. If you own a car, the document is a rider to your existing auto insurance policy. You’ll purchase a non-owner insurance policy with an FR44 attachment if you don’t own a vehicle. FR44 Non Owner Insurance (without a car) is generally cheaper than owner-operator insurance (with a car). However, when you own a vehicle, you can’t purchase a non-owner certificate to avoid paying a higher premium.
“Do I need to carry FR44 if I move out of state?” This certificate is only available in Florida and Virginia, so the coverage cannot be transferred if you move out of these states. If you carry FR44 insurance and move to another state, our agents can ensure you remain legally insured without interruption before moving.
Florida HSMV / Virginia DMV
You can find additional/related information about what is FR44 on each state’s DMV website:
- Florida: Florida DUI suspension laws
- Virginia: Reinstating driving privileges in Virginia
UltraCar Insurance specializes in providing FR44 insurance for vehicle owners and non owner FR44 Virginia / non owner FR44 Florida if you don’t own a vehicle. Do you have more questions? Let us help. Our agents are licensed in both states and can offer the lowest DUI insurance rate for your needs. Click to start a quote, or give us a call today!
SR22 Colorado
SR22 Colorado is a certificate of financial responsibility form the state requires for license reinstatement. An insurance provider attaches this form to an insurance policy. To ensure your policy stays current, the issuing insurance company monitors it during the time the state requires you to carry it. When you own a vehicle, the SR22 form is an endorsement to your auto insurance policy. If you don’t own a car, the form is a rider to a non-owner insurance policy.
Certain traffic offenses and violations of Colorado DUI laws can result in suspension of your driver’s license. To reinstate your license, you’ll have to file an SR22 Colorado certificate with the DOR. You probably have many questions come to mind after a driver’s license suspension.
