Bodily Injury Coverage – This coverage provides protection in the event you hurt someone while driving your vehicle. If you have the FR44 filing you have to carry 100/300. That is $100,000 per person, $300,000 per accident. In the event you injured three people you would be covered up to $100,000 per person. People who have not had a DUI can carry limits as low as 10/20.
Property Damage Coverage – This coverage provides protection in the event you damage another vehicle in an accident. The minimum property damage with an FR44 filing is $50,000. Higher limits are available if needed.
Uninsured Motorist Coverage – This coverage is not required with an FR44 filing, but it is an important coverage to have. Uninsured or under-insured motorist coverage will pay for injuries to you and your passengers, when there is an accident and the other driver is both legally responsible for the accident and is “uninsured” or “under-insured.”
Collision Coverage – This coverage pays for your vehicle to get fixed in the event of an accident. Usually you have a deductible of $100 – $1,000. This is an optional coverage, but it is usually required if you have a loan on the vehicle.
Comprehensive Coverage – This coverage protects you for perils other than collision.
Rental Car Coverage – This Coverage pays for a rental car if your car has been in a collision.
Towing Coverage – This coverage reimburses you in the event you have to have your vehicle towed.
FR44 filing – This is the federal filing that you are required to have if you are convicted of a DUI. The filing requires you to have 100/300 bodily injury and $50,000 property damage coverage. The FR44 form is electronically submitted to the state of Florida by your insurance company.