Learn How FR44 Insurance Coverage in Florida Works

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Here’s what you need to know about your Florida FR44 coverage.

Drivers in the state of Florida who have been convicted of driving while under the influence are required to secure a special form of coverage, known at Florida FR44 insurance, to have their license reinstated.  An FR44 filing is a proof of coverage that your insurer sends to the state to confirm that you are carrying state-mandated auto coverage.  Curious to learn more about this unique form of auto insurance?  Then here’s what you need to know.

Why does the state of Florida require this coverage?

After you’ve been convicted of a DUI (driving under the influence) or a DWI (driving while intoxicated), then you will automatically be considered a higher-risk driver.  As a result, you will be required to carry higher liability coverage amounts in order to protect the public.  FR44 policies ensure that you are carrying these increased liability protections.

How long do I need FR44 coverage?

While the amount of time you need this coverage will vary based on your unique situation, the filing is usually required for three years from the date of your conviction. If at any time during the three years there is a lapse in your coverage (such as due to a policy cancellation or a non-payment issue), then your license will be suspended, and you will need to pay a reinstatement fee to the DMV to get your license back.

How do I pay for this insurance?

Unlike traditional auto insurance, you cannot make monthly payments for your FR44 insurance.  Instead, you will have to pay six months of premiums all at once.  However, when you renew your policy, this requirement might be relaxed, and you may be allowed to start making monthly premium payments.

This is what you need to know about how Florida FR44 insurance coverage works.  Do you have additional inquiries regarding your specialty insurance needs?  If so, then contact the experts at Staybull Insurance.  We are ready to assist you with your FR44 filing today.

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