Florida FR44 Archives

This is the Florida FR44 Archives for UltraCar Insurance. Your source for SR22 & FR44 Insurance.

If caught driving drunk in Florida or Virginia, you'll need FR-44 insurance.

Understanding FR-44 Insurance

After a DUI conviction in Florida or Virginia, you must attach an FR-44 certificate to your auto policy and file it with the DMV. Even if you don’t own a car, you must file an FR-44 certificate, which is endorsed to a non-owner insurance policy. Understanding FR-44 insurance beforehand will make your license reinstatement process less stressful. You can learn about some of the basics of this high-risk auto insurance in this article.

Is there a secret to understanding FR-44 insurance? It can be pretty straightforward or quite complex, depending on your circumstances. We’ll demystify this high-risk auto insurance by presenting the basics of FR-44 insurance, how it’s different from standard car insurance,

A woman in an accident calling high-risk auto insurance companies for SR22 insurance.

What To Know About High-Risk Auto Insurance Companies

Many standard insurance companies lower their risk of loss by setting higher premiums for drivers with substandard driving records and license suspensions. Experienced high-risk auto insurance companies can write more affordable SR22 and FR44 insurance policies for these drivers.

This blog post explores high-risk auto insurance companies and providers. We’ll explain why they’re your best option for high-risk auto insurance coverage. So buckle up and get ready to discover what SR22 and FR44 insurance providers offer!

When you have a DUI, get the FAQs about FR44 non owner insurance Florida.

FR44 Non Owner Insurance Florida – FAQ

FR44 non-owner insurance Florida is DUI insurance required to reinstate your license if you don’t own a vehicle. Frequently asked questions about FR44 insurance include how much it costs, what it covers, and the payment terms. The answers will help you better understand Florida non-owner FR44 insurance.

When you have a license suspension after a DUI conviction, and you don’t own a vehicle, you’ll buy FR44 non owner insurance Florida for reinstatement. When eligible for license reinstatement, you must choose an FR44 insurance provider to issue and file your certificate with the state.

Our insurance agents keep you in compliance with FR44 if you’re moving out of state.

What happens to my FR44 if I move out of state?

What if you’re moving to another state before you complete your FR44 requirement? You’re probably wondering, “What should I do about my FR44 if I move out of state?” Virginia and Florida are the only states that require an FR44 certificate specifically for people with DUI convictions. You can’t transfer your FR44 certificate outside of Florida or Virginia. You’ll need to keep your FR44 policy current for the required time. If you own a vehicle, you can get a separate, standard insurance policy in your new state.

Our Florida and Virginia clients frequently ask, “Do I have to keep my FR44 if I move out of state?” And it’s a valid question because Florida and Virginia are the only states that require an FR44 specifically for DUI or DWI license suspensions.

Learn the difference between SR22 & FR44 in Florida and Virginia.

What’s the difference between SR22 and FR44 insurance?

You’ll need to know the difference between SR22 and FR44 insurance to reinstate your license in these states. Only Florida and Virginia require different certificates for DUI violations vs. non-DUI offenses. You’ll file an SR22 certificate for motor vehicle violations unrelated to alcohol or drugs. You must file an FR44 form for alcohol or other substance-related DUI violations.

When people in Florida and Virginia need to reinstate their license, they often ask, what’s the difference between SR22 and FR44 insurance? These are the only states with two types of license reinstatement certificates. An SR22 insurance certificate is for non-alcohol-related motor vehicle violations. The FR44 insurance certificate is for DUI or DWI violations.

DUI Insurance Florida FR44

Costs of DUI Insurance Florida FR44

DUI insurance Florida FR44 is a certificate of financial responsibility. You’ll need to buy this insurance to reinstate your license after a DUI conviction. Besides the cost of FR44 insurance, other expenses include fines and reinstatement fees. You may also have to pay to take a traffic safety course or to install an ignition interlock device.

You may wonder why DUI insurance Florida FR44 premiums and associated costs are the highest in the country. Even standard auto insurance in Florida is much more expensive than in other states.

Florida FR44 Motorcycle Insurance

Florida FR44 Motorcycle Insurance

Did you know you can endorse an FR44 certificate to your motorcycle insurance policy? Florida FR44 motorcycle insurance is an option for license reinstatement after a DUI conviction. In many cases, an FR44 endorsement to a motorcycle insurance policy can be more affordable than an auto policy endorsement.

NOTE: At the present time we do not offer Florida FR44 or SR22 insurance on motorcycles.

If you need FR44 insurance, UltraCar Insurance can endorse and file a Florida FR44 motorcycle insurance certificate to your motorcycle, scooter, or moped policy.

What is FR44 insurance in Florida and Virginia?

What is FR44?

What is FR44? Florida and Virginia have two separate certificates for license reinstatement. One, SR22, is for motor vehicle violations unrelated to alcohol or drugs. The other, FR44, is for DUI-related offenses. To reinstate your license after a DUI or DWI conviction, you need to file an FR44 certificate with the state.

What is FR44? In Florida and Virginia, you must attach a financial responsibility form to your auto insurance policy to reinstate your license after a DUI/DWI conviction. Florida and Virginia are the only states that require this form specifically for DUI/DWI offenses. On January 1, 2008, Virginia was the first state to introduce it, and Florida became the second state to adopt it.

What is FR44 insurance?

There’s a difference between SR22 and FR44 insurance in Florida and Virginia. Non-alcohol suspensions require an SR22 filing. However, for a DUI/DWI suspension, you’ll need to file an FR44 certificate. See Florida SR22 FR44 and Virginia SR22 FR44 Insurance for additional information.

The minimum liability coverage requirements for F44 insurance are much higher than for SR22 insurance, especially in Florida. The higher coverage significantly impacts your auto insurance rate if you own a car.

Minimum coverage requirements for FR44 insurance in Virginia are 60/120/40:

  • $60,000 bodily injury per person
  • $120,000 bodily injury per accident
  • $40,000 property damage per accident
  • $30,000 per person / $60,000 per accident uninsured motorist bodily injury
  • $20,000 uninsured motorist property damage

The minimum coverage requirements in Florida are much higher: 100/300/50.

Why do I need DUI insurance?

DUI insurance is high-risk insurance for people convicted of a serious driving offense – especially DUI/DWI. The state is interested in ensuring high-risk drivers are always insured when driving a vehicle, whether they own one or not. People usually have to carry this insurance without a lapse of coverage for three years. The certificate is also a monitoring device. If coverage lapses even one time, the insurance company notifies the state DMV by filing an FR-46 form. This filing cancels the existing certificate, resulting in immediate license suspension.

Frequently asked questions about what is FR44

“Is FR44 a stand-alone insurance policy?” The answer is no. The certificate does not exist on its own. If you own a car, the document is a rider to your existing auto insurance policy. You’ll purchase a non-owner insurance policy with an FR44 attachment if you don’t own a vehicle. FR44 Non Owner Insurance (without a car) is generally cheaper than owner-operator insurance (with a car). However, when you own a vehicle, you can’t purchase a non-owner certificate to avoid paying a higher premium.

“Do I need to carry FR44 if I move out of state?” This certificate is only available in Florida and Virginia, so the coverage cannot be transferred if you move out of these states. If you carry FR44 insurance and move to another state, our agents can ensure you remain legally insured without interruption before moving.

Florida HSMV / Virginia DMV

You can find additional/related information about what is FR44 on each state’s DMV website:

UltraCar Insurance specializes in providing FR44 insurance for vehicle owners and non owner FR44 Virginia / non owner FR44 Florida if you don’t own a vehicle. Do you have more questions? Let us help. Our agents are licensed in both states and can offer the lowest DUI insurance rate for your needs. Click to start a quote, or give us a call today!

Florida SR22 Paid In Full

Florida SR22 Paid In Full Insurance

After a no-insurance license suspension (not related to DUI), you’ll have to file a Florida SR22 Paid in Full certificate to reinstate it. You’ll need to contact a trusted SR22 insurance provider in Florida to buy the insurance if you own a vehicle (owner SR22) or if you don’t own a car (non- owner SR22). Paid In Full policies are also called Florida Non-Cancelable SR22 insurance. They have a six or twelve-month term and require payment when underwriting is complete.

In accordance with Florida Statute 627.7275, Florida drivers with a non-DUI, no-insurance license suspension must purchase Florida SR22 Paid in Full insurance for license reinstatement. This type of policy is non-cancelable, with a term of at least six months, and is payable in full.

Violating the Florda Zero Tolerance Law requires FR44 DUI insurance.

Florida Zero Tolerance Law

The Florida Zero Tolerance Law concerns drivers under age 21 with a DUI/DWI offense. Driving with a blood alcohol content of .02 or higher results in an automatic six-month license suspension. Driving after just one drink can be a violation of this Florida DUI law, and that’s why it’s effectively “zero tolerance”.

The state of Florida enforces a strict DUI law for drivers under the age of 21 called the Florida Zero Tolerance Law. If an officer stops you and your BAC is .02 or higher, the state automatically suspends your license for six months.