Florida DUI Insurance and FR44 Filing Process to Reinstate License
Website design By BotEap.comFlorida DUI insurance is auto insurance that meets certain coverage and procedure requirements as prescribed by law. This regulation must be followed and maintained in order for DUI drivers to maintain a valid Florida license. Increased limits, reporting compliance and a $15.00 fee are required. These additions to an auto insurance policy are similar requirements experienced by other high-risk drivers. Unique to a Florida DUI insurance policy are the high liability limits of 100/300/50; ten times the financial responsibility requirement for non-DUI drivers.
Website design By BotEap.comThe FR44 (Uniform Certificate of Financial Responsibility) filing is the method used to verify insurance compliance for drivers convicted of DUI. The Certificate (Form) is filed (submitted) to the Florida Office of Financial Responsibility electronically by the insurance company after the policy is purchased. This process is the last step in retrieving a valid Florida license. A policy is first purchased from a licensed Florida insurance company that insures the MVR Financial Responsibility case number. This is a tracking number assigned to each individual DUI driver. The driver’s license can be reinstated when the DMV database is updated indicating your compliance and eligibility. Some drivers have presented a printed copy of the FR44 certificate, which they received at the point of sale, to the correct clerk at the DMV, and they got their license reinstated immediately. Naturally, a reinstatement fee will apply.
Website design By BotEap.comThe compliance period is three years and insurance companies are required to notify the State if a policy is terminated for any reason. If the DUI driver does not replace the coverage with a new eligible policy, their license will be suspended. Reinstatement occurs only after the process is repeated and additional high reinstatement fees are paid. The process is quick and easy, but the coverage can be expensive. Drivers who are not used to carrying high limits experience the greatest increase in their auto insurance premiums.
Website design By BotEap.comPolicyholders who regularly maintain high limits (100/300/50 or more), such as those required for a rental vehicle, may be excluded from the FR44 requirement, as long as this coverage was in effect at the time of the DUI citation. The FR44 policy imposes high limits of liability and additional stringent subscription requirements. For example, as of May 4, 2012, cancellation of all insurance policies with a Florida FR44 filing is not allowed, and insurance companies generally will not allow driver exclusions when there is a filing. Due to these restrictions, policyholders are forced to pay premiums in full with no monthly payments and will not be able to exclude a higher rated driver, such as a newly licensed teenager. Having the flexibility to make payments and exclude drivers is a benefit for any insured.
Website design By BotEap.comInterestingly, since 2007, when Florida separated DUI drivers from all other high-risk drivers by requiring the filing of FR44s instead of SR22s, the loss rates for the FR44 policyholder pool have been very favorable to companies. insurance companies. Lower claim payouts from lower loss rates allow insurance companies to compete for lower rate FR44 policies. Some companies still treat DUI drivers harshly by turning down new applicants and not renewing current policy holders. If you are in this situation, simply shop around as there are many companies competing for these policies.