Effective May 4, 2012, Florida statute 627.7275 requires all Florida SR22 and FR44 high risk auto insurance policies to be written for a six month period, and to be paid in full for a six month period. Florida SR22 Paid In Full policies cannot be canceled after the first 60 days of the six month policy period. If the policy is canceled at any time within the first 60 days, the first 60 days of the six month premium is forfeited.
If an individual initially purchases a non owner SR22 or FR44 policy and wants to add a vehicle within the six-month policy period, the additional premium amount must be paid in full for the remaining six-month term. Florida SR22 Paid In Full policies must be written with liability limits of 10/20/10, and Florida FR44 paid in full policies must be written with higher liability limits of 100/300/50.
Florida SR22 Paid in Full certificates are issued for non-alcohol related motor vehicle violations, many of them for operating a vehicle without insurance. SR22 case numbers in Florida begin with the number 2. Florida FR44 certificates are for alcohol related (DUI) motor vehicle violations, with case numbers that begin with the number 4 (see What is FR44 Florida?). Florida SR22 insurance policies can be written for car owners and for those who do not own a vehicle (see Florida No Car Insurance for more information on non owner SR22 policies). Paid in full policies must be written by an insurance provider licensed in the state of Florida to comply with the provisions of the Florida 627.7275 statute. Your insurance provider will file your SR22 certificate with the Florida DHSMV, and this insurance must be kept in force without lapse for the duration of your license suspension.
For more details related to Florida SR22 insurance, license suspensions and license reinstatement refer to the Florida DHSMV website. The following articles on our website also contain additional information about Florida SR22:
- Non Cancelable SR22 Florida
- Florida SR22 Insurance
- What is SR22 Insurance?
- Cheapest Florida Non Owner SR22 Insurance
- Non Owner SR22 vs SR22 Insurance
When you’re eligible for license reinstatement, Florida SR22 insurance is a necessity in order to legally drive during your license suspension period. Talk to an UltraCar Insurance agent if you have questions about Florida SR22 Paid In Full policies or Florida FR44 paid in full policies. We provide quick, competitive Florida SR22 and FR44 insurance quotes.