Drivers convicted of a substance-related offense (alcohol or drugs) must purchase Florida DUI insurance to reinstate their driver’s license.Also known as Florida FR44 insurance, DUI insurance is a type of high-risk insurance. The Florida FR44 program became law on October 1, 2007. In February 2008, the higher FR44 insurance coverage requirements went into effect
How does Florida DUI insurance work?
When you have a DUI conviction, the state automatically suspends your driver’s license. After completing a probationary period and meeting any other state requirements, you can buy Florida DUI insurance for license reinstatement. FR44 is a certificate of financial responsibility attached as a rider to your primary auto insurance policy.
When you purchase FR44 insurance, your agent will submit the FR44 filing with Florida HSMV. The insurance company monitors your policy to verify the coverage is current at all times while the state requires it.
It’s important not to cancel or miss a payment on your FR44 policy. If your policy lapses, the insurance company immediately submits an FR46 form to Florida HSMV, resulting in re-suspension of your license. You’ll have to obtain DUI insurance coverage again, and pay a reinstatement fee and fines for another license reinstatement. Because this is costly, it’s essential to keep your policy current.
The costs of DUI insurance Florida FR44 are quite high. FR44 policies must have the following minimum coverage:
- $100,000 in bodily injury per individual
- $300,000 in bodily injury per accident
- $50,000 in property damage
Non-Owner FR44 Insurance
If you don’t own a vehicle, you can reinstate your license by purchasing non-owner FR44 insurance. How does non-owner insurance work? It covers you when driving a borrowed car. If you cause an accident, the vehicle owner’s insurance pays claims up to its coverage limits. Then, if claims exceed that coverage, your Florida DUI insurance pays them. To learn more, see Non Owner FR44 Florida and Florida Non Owner FR44.
UltraCar Insurance is a long-time provider of Florida DUI insurance, including owner and non-owner policies. We work with top insurance companies to find the best policy and lowest Florida FR44 rate for you. Start an online quote or speak with one of our licensed agents today!
This article was last updated on May 19th, 2020 by UltraCar Insurance