Understanding what FR-44 insurance in the state of Florida entails.
If you have been charged with a DUI, then your state will require you to secure higher auto insurance liability coverage limits to better protect the public. In the state of Florida, this means filing an FR-44 insurance form. Curious to learn more about what securing Florida FR-44 insurance will mean for you? Then here are some of the specifics regarding this unique form of auto coverage.
What is FR-44 insurance?
After being charged with a DUI, your state will require you to carry higher auto insurance coverage limits. An FR-44 filing declares your financial responsibility and assures your state that you have secured the proper amount of coverage. According to Florida state law, drivers charged with a DUI are required to carry insurance limits of $100,000 per person bodily injury liability coverage, $300,000 per accident bodily injury liability coverage, and $50,000 maximum property damage liability coverage (100/300/50).
Why do I need an FR-44?
In short, you need FR-44 insurance because you are legally required to secure it. To start, you need to file an FR-44 with the state to have your drivers license reinstated with the DMV. You will also need this coverage in order to legally drive in the years following your DUI.
Will I need FR-44 insurance forever?
Fortunately, you are not required to carry this increased amount of auto coverage forever. Generally, a DUI will drop off your driving record after three years. At this point, your DUI will no longer affect your auto insurance rates, and you no longer have to carry your FR-44 filing. However, it is important to understand that this only works if you have maintained your FR-44 coverage consistently over the three-year period. If at any time there is a lapse in your FR-44 coverage, then you will need to restart the three-year period all over again.
This is what you need to know about Florida FR-44 insurance. Do you have additional questions regarding your specialty auto insurance needs? If so, then contact the experts at BadDrivingRecord.com. We are ready to assist you with your FR-44 filing today.
