What is FR44 Florida?

What is FR44 Florida?

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What is FR44 Florida?

Last updated on December 6th, 2018 by

If your license has been suspended after a Florida DUI conviction, you will have to file an FR44 Florida certificate for license reinstatement. The FR44 certificate is attached to your auto insurance policy. If you don’t own a car, truck or motorcycle, the certificate will be attached to a non-owner insurance policy.

FR44 Florida is a financial responsibility form mandated by the state or required by the courts in order to regain your driving privileges after a DUI / DWI offense. There are currently just two states that have implemented the FR44 filing specifically for DUI, DWI, OWI or other alcohol related offenses: Florida and Virginia. The FR44 requirement was introduced by the Florida Department of Highway Safety (DHSMV) on February 2, 2008.

FR44 Florida is similar to SR22 insurance, except you must carry the increased liability limits of 100/300/50, as opposed to the lower SR22 requirement of 10/20/10. This means that with FR44 Florida you must maintain minimum coverage of:

  • $100,000 per person for bodily injury
  • $300,000 minimum coverage per incident
  • $50,000 minimum coverage for property damage

You will typically be required to carry FR44 Florida for 3 years, but it can vary for each situation. It is important to maintain an active FR44 policy for the entire compliance period, regardless if you own a vehicle or not. Even if you move to a different state, the requirement must be fulfilled before you will be eligible to apply for a license in a different state. If your FR44 insurance policy is canceled, terminated, or lapses for any reason while you are still required to carry it, your insurance provider will file an FR46 notification to the Florida Bureau of Financial Responsibility, which will suspend your driving privileges immediately.

In most instances you will receive a case number. It is important that you provide that number to your insurance provider so they can promptly and accurately issue your FR44 Florida filing with the state. The FR44 certificate will be endorsed to your auto insurance policy, or you can obtain Florida FR44 motorcycle insurance. If you don’t own a vehicle, it will be attached to an FR44 non owner insurance policy. Then the FR44 filing is submitted electronically by your insurance company at the time you purchase a policy, and is generally processed within a 24-48 hours by the Florida DMV.

Detailed information about Florida DUI and Administrative Suspension Laws can be found on the Florida DHSMV website.

Count on UltraCar Insurance to find the best rate for you, whether you need owner or non owner FR44 Florida insurance. Give us a call today for your competitive Florida FR44 insurance quotes!


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