Learn more about these specialized, high-risk auto policies.
If you have been involved in several major traffic violations in the state of Florida, then you may have to secure specialized, high-risk auto policies to get the coverage that you need. For instance, high-risk drivers in the state of Florida have the option to secure an SR-22 or FR-44 insurance policy. However, the type of policy you need is dependent on the type of traffic violation you have committed. Here’s what each type of policy will cover.
- SR-22
SR-22 insurance certificates are required if your license is suspended as a result of a non-alcohol related traffic violation. For instance, you would need to file an SR-22 if you have been convicted of driving without a license or insurance, or if your policy has been cancelled due to too many at-fault accidents. SR-22 insurance policies offer drivers higher coverage limits than standard auto policies with limits at 10/20/10.
- FR-44
FR-44 insurance certificates are required if you have been convicted of an alcohol or drug-related traffic violation. The state of Florida introduced FR-44 insurance policies because drivers convicted of a DUI or DWI are more likely to repeat their actions and pose a greater risk to others on the road. FR-44 insurance has even higher coverage limits than SR-22 policies, with minimum requirements at 100/300/50. Because FR-44 policies offer more coverage, they have higher premium costs than SR-22 insurance.
These are the main differences between these specialized, high-risk auto policies in Florida. Do you have additional questions regarding your car coverage after a DUI? If so, then do not hesitate to contact the experts at BadDrivingRecord.com. We are ready to assist you with your FR-44 filing today.
