When you have a Florida DUI or DWI conviction, you’ll become familiar with Florida DUI penalties, laws, and Florida FR44 insurance requirements. Based on your case, you’ll have to meet specific conditions to reinstate your license.
Reinstating your license after a DUI violation
After a mandatory license suspension, you’ll have to complete specific Florida FR44 insurance requirements to be eligible for license reinstatement. You likely have to complete a driver improvement course, pay reinstatement fees, or other actions based on the circumstances of your case.
Once you satisfy these requirements, you’ll file a Florida FR44 certificate with the state. An insurance provider will submit this filing electronically with Florida HSMV using your nine-digit case number, which starts with a 4 for FR44 cases.
If you don’t own a car, your agent will issue a Florida non-owner FR44 policy.
If you own a vehicle, your agent issues an owner-operator insurance policy with an FR44 endorsement. The FR44 filing includes:
- Personal information: your name, address, driver’s license number, case number
- Vehicle information: year, make and model, and VIN (vehicle identification number)
Florida FR44 insurance requirements and payment considerations
The minimum insurance coverage for standard and SR22 insurance is 10/20/10. Compare that to the minimum coverage for FR44 DUI insurance, which is much higher: 100/300/50.
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $50,000 property damage
Per Florida FR44 insurance requirements, most FR44 policies have a six-month term, paid in full for the first six months. Many insurance companies require you to renew an FR44 policy for another six months, paid in full. If you’re not insuring a vehicle, paying a six-month FR44 premium is difficult. It’s even more expensive if you’re insuring a vehicle, especially if it’s a late model or if you’re financing it. In some cases, you may be able to arrange a monthly premium payment option at your first renewal.
More details about Florida DUI and Administrative Suspension Laws are available on the Florida HSMV website.
Let UltraCar Insurance find the best FR44 insurance solution for you. Our Florida licensed agents specialize in Florida FR44 insurance requirements and filing. Click to start an online quote or call us for a no-obligation Florida FR44 quote. We’ll help you achieve your goals and put you back in the driver’s seat.
This article was last updated on May 12th, 2020 by UltraCar Insurance