Driving under the influence of alcohol or drugs is a serious crime in the state of Florida. If you have been convicted of Florida DUI or have admitted to driving while intoxicated, your driver’s license will be suspended for a certain period of time. After a DUI offense, you will be required to purchase owner or non owner Florida FR44 insurance for license reinstatement. The date you will need to file a Florida FR44 certificate depends on your probationary period. The length of time a driver’s license is suspended can vary, depending on the circumstances of each case.
The Florida FR44 insurance program for alcohol related driving offenses was put into effect in October 2007, and in February 2008 the program began. Individuals who file an FR44 insurance certificate must carry the minimum liability coverage set by the state of Florida:
- $100,000 bodily injury per individual
- $300,000 bodily injury per accident
- $50,000 property damage in one accident
You do not have to own a vehicle to purchase Florida FR44 insurance, but the state of Florida requires all persons who drive a vehicle to be insured, regardless if they own a vehicle or not. When you do not own a vehicle you will purchase non owner Florida FR44 insurance, which is secondary insurance on any non owned vehicle you drive on occasion. (See our Florida Non Owner Insurance page for more information.) If you are involved in an at fault accident, your Florida FR44 non owner insurance makes claim payments after the primary insurance of the registered vehicle owner has reached its coverage limits.
Florida FR44 high risk insurance must be carried for a period of three years in most cases. You must keep your FR44 insurance premiums current, and not let your policy lapse, expire or cancel. If that happens, your insurance provider will notify the Florida DMV by submitting an FR46 form, which results in immediate suspension of your driver’s license.
Get quick, no-obligation Florida FR44 insurance quotes from UltraCar Insurance. Contact us by phone or submit our secure online quote form. We’ll survey the best rates from several insurance companies as soon we receive your request. We look forward to helping you!