What is an FR-44?
An FR-44 is a document of financial responsibility in Florida proving that you carry car insurance after a driving incident like a DUI or DWI. When incidents like these occur, The state may require you to obtain FR-44 insurance and file this certificate of financial responsibility with the Florida Department of Motor Vehicles.
If you live in Florida and have recently received an infraction for driving under the influence (DUI)(DWI), then you may need an FR-44. Here are some common questions and answers that many people have about FR-44 and insurance.
Is an FR-44 considered car insurance?
No. FR-44 insurance isn’t really a type of coverage. An FR-44 is a form required in Florida that proves you have car insurance.
A FR-44 is similar to an SR-22 form, But it has higher insurance requirements then Florida usually mandates and is usually for more serious offenses like DUl or DWI.
What is my minimum coverage amount for an FR-44?
An FR-44’s minimum requirement for bodily injury liability protection is $100,000/$300,000, and $50,000 for property damage liability protection in Florida.
What’s the difference between an FR-44 and an SR-22?
When you get a DUI,DWI, The state of Florida will require your insurance company to file an FR-44.
An SR-22 verifies that you’ll carry at least the state minimum liability insurance requirements for typically three years, though how long may vary based on your traffic violation. An FR-44 differs from an SR-22 in that an SR-22 requires minimum liability limit insurance be carried, and an FR-44 requires greater than minimum liability limits. For up to three years.
SR-22 $10,000/$20,000 Bodily Injury and $10,000 Property Damage.
FR-44 $100,000/$300,000 Bodily Injury and $50,000 Property Damage.
What do I need to do to get an FR-44?
Once you have your court hearing and are told you need an FR-44, contact your insurance agent/broker/company. They’ll start the process of adding an FR-44 to your policy and ensure you get the proof of FR-44 you need to reinstate your driver’s license.
Can I get an FR-44 today?
Yes. We can issue an FR-44 immediately, with same-day electronic filing in Florida. At State No-Fault Insurance Agency in Stuart, Florida, We can get you FR-44 insurance with our great companies like: Progressive, Bristol West, Dairyland, National General, and The General.
At State No-Fault Insurance Agency we can also get you a non-owners FR-44 with Dairyland if you don’t own a car and need to get your Drivers License reinstated.
