The FR-44 filing was created by the State of Florida and is required for individuals that have been convicted of a DUI. The filing itself is attached to your auto policy and certifies that you have purchased the required liability limits of 100/300/50. This translates into $100,000 per person, $300,000 per accident and $50,000 in property damage coverage. Typical Florida drivers are only required to carry $10,000 in property damage coverage and $10,000 in personal injury protection. The State of Florida requires these high coverages because they view individuals that have been convicted of a DUI as “high risk”. This type of policy is also required to be paid in full for six months. Not all insurance companies offer FR-44 insurance and your current carrier might non-renew your policy when they find out you have gotten a DUI. In most cases you can add all the coverages that are offered on a normal auto policy like uninsured motorist, comprehensive, collision, and medical payments coverage. If you do not own or regularly operate a vehicle you can also purchase a non-owners FR-44 policy. In most cases the FR-44 filing is required for three years from the date of original suspension or conviction. It is important to ask your local DMV how long the FR-44 is required for your particular situation. Our agency specializes in FR-44 insurance and we write thousands of policies all across the state of Florida. If you would like a quote follow the link below. If you have any questions about FR-44 insurance please feel free to give our office a call.
For a current overview, read the FR-44 insurance guide. The state pages explain Florida FR-44 requirements and non-owner FR-44 coverage in more detail.
