The legal name of the Florida FR44 Auto Insurance form is the Florida Uniform Financial Responsibility Certificate FR-44. As of October 1, 2007 Florida Statute 324.023 was created.
When Do You Need a Florida FR44?
If you’ve been convicted of Driving Under the Influence in the State of Florida, you’ll be required to purchase a Florida FR44 Auto Insurance Policy before your license is reinstated.
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How Long Do You Need to Keep an FR44?
You’ll need this FR44 Certificate for 3 years from your date of conviction.
What Coverage Limits Must Be on an FR44?
The coverage that must be on the policy is 100/300/50, which means:
- $100,000 for a single injury in a single incident
- $300,000 for multiple injuries in a single incident
- $50,000 for Property Damage
How is the Florida FR44 Certificate Sent to the State?
If your agent is familiar with the FR44 process, they can send your certificate electronically to the State. This is by far the fastest way to show compliance. Make sure you work with an agency that specializes in Florida FR44 Auto Insurance. Improperly filed paperwork can mean additional fines, longer suspension times, and possibly jail time if caught on a suspended license.
What if I Let My FR44 Policy Lapse?
If your policy is terminated or lapses, the insurance company will notify the State that you no longer carry FR44 insurance. The State will immediately suspend your driving privileges and you will be required to carry an FR44 for three additional years. It is very important that you not let your policy lapse.
What Types of Florida FR44 Auto Insurance Policies are Available?
There are basically 2 different types of FR44 policies:
- Non-Owner Florida FR44. If you don’t own a vehicle, you may be eligible for this type of FR44. The Non-Owner version is usually far cheaper than an Owner policy since the insurance company is not taking on the responsibility of covering a car.
- Owner Florida FR44. If you own a vehicle, you must put it on your insurance policy. While this version of the Florida FR44 is more expensive, it is required when you own a car.
How Can I Get Additional Information About My Requirements?
You can contact the Florida DMV via their website or by phone. You can also physically go to a DMV location and they’ll be able to tell you what your requirements are.