Category Archives: Florida and Virginia FR44 Insurance, Georgia SR22A Insurance, Indiana SR50 insurance and non owner SR22 Insurance

Where can I find my Florida FR44 Case Number?

The State of Florida requires insurance companies who write policies with SR22 or FR44 filings to write only six-month, paid-in-full Auto policies for Florida customers needing SR22 or FR44 filings, that have case numbers beginning with a “2″ or “4.” These policies cannot be cancelled. Florida Auto customers will see the change on their policy at renewal, when they will only be offered a paid-in-full bill plan.

The following rules apply for SR22/FR44 filings with case number beginning with 2 or 4:

  • The customer must pay for the policy term in full.
  • Insurance companies can’t process a cancellation after the first 30 days of the original effective date of the first policy term.

Specific endorsement rules:

  • Insurance companies can process credit or non-premium endorsements at any point in the customer’s policy life cycle.
  • Insurance companies can only process additional premium endorsements if effective back to the first inception or if the policy is in “Renewal Work” or “Renewal Quote” status.
  • Insurance companies can’t endorse an SR22 or FL FR44 beginning with a 2 or 4 onto the customer’s policy unless the policy is in “Renewal Work” or “Renewal Quote” status. If not, customer’s policy will have to be cancelled and rewritten to comply with the state statute.
  • Because the customer needs to pay-in-full and the policy can’t cancel, the customer would need to rewrite to make an additional premium endorsement, then remove the SR22 or FR44 beginning with a 2 or 4 and cancel the policy.
  • In addition to these rules, Florida FR44 filings will continue to require higher liability limits (i.e., 100/300/50 or 350CSL (or higher)).

Three steps for applying for a hardship license in Florida

Click HERE Get FREE QUOTES on  SR22 OR FR44 Insurance

How to get a Hardship License

If you have a suspended license in the state of Florida, follow the steps below to obtain a hardship license – so you can drive legally while getting your license back.

1. Sign up for the online 12 hour traffic school (ADI) class. One you’ve paid, you will receive a letter of enrollment.

2. Go to the Clerk of Court and get a “30 day search” of your driving record. This takes just a few minutes and they will give you a letter that provides information about your driving record.

3. After you’ve received the Letter of Enrollment from our Traffic School and a letter from the Clerk, you can go to the DMV and apply for a hardship license with a Hearing Officer. Later, you’ll still need to complete our 12 hour course within the deadline set by the DMV. If you are a “habitual offender” as indicated in the DMV Letter of Enrollment, you must complete the course before you can apply for the hardship license.

Online Traffic School Benefits

  • Take the course online course from the convenience and privacy of your home or work – No Classroom Necessary
  • Simple to use, no computer experience needed
  • Unlimited log-ins and log-outs so you can complete the course at your convenience – in your spare time
  • Get the certificate you need to get your full license back via email.

The Rules The steps above are for drivers that have had their license suspended in the state of Florida for points, as a habitual traffic offender (non-DUI related), or by court order. Some violations are not eligible for a hardship license:

Suspended license for being incapable of operating a motor vehicle safely Suspension is for one year. You are not eligible for a hardship license.

Conviction for Driving Under the Influence (DUI) Suspension is for 180 days – 1 year. DUI School completion and treatment, if referred, is required. You then can apply for a hardship license in any Administrative Reviews Office where you live.

Traffic School Testimonials

12 Hour Traffic School TestimonialThe course’s user-friendliness made the ordeal almost a pleasure. By taking the sections individually over a series of days, I found myself more aware of my driving each new day, and now notice a marked improvement in my general attitude when I’m on the road. R.B. Ft. Myers

 

Hardship License TestimonialI was able to complete it during lunch and breaks at work… Thanks a bunch! B.W. St. Petersburg

 

 

 

 

 

 

 

(original article located at: http://www.lowestpricetrafficschool.com/florida/hardship-license.html )

Florida FR44 Insurance – How to file, what to do and how to get it cheap

If you’ve been convicted of a DUI in Florida, you’ll be required to obtain two insurance-related certificates in order to regain your driving privileges. These are the national SR-22 form and the lesser-known FR-44 form. While the procedure for obtaining the former has been documented exhaustively in print and online, there’s far less information available about the latter. Since the FR-44 is a Florida-specific document that has few analogs elsewhere in the United States, it can be difficult to find reliable advice about procuring one. Fortunately, it’s not difficult to file an FR-44. Once you’ve done so, you’ll be able to source insurance quotes from a range of providers.

First, it’s crucial to recognize the differences between the SR-22 and the FR-44. As a resident of a state that requires drivers to file an FR-44 form, such as Florida and Virginia, you’ll most likely be required to pay upfront for your insurance coverage. In fact, Florida law prohibits insurers from charging monthly premiums on FR-44 policies, which is more of a reason the insurance company will not “bend” on their billing options . This restriction is designed to protect the financial health of the insurers that operate the state and penalize DUI-convicted drivers in equal measure.

Unfortunately, the high cost of FR-44 policies means that this requirement will force you to make a substantial outlay in most cases, before getting back behind the wheel of your car. To make matters worse, Florida is notorious for its high insurance rates. After your DUI, it’s likely that your already-high auto insurance premiums will double overnight. Even if you have an impeccable driving record, you might be unable to find an FR-44 insurance policy that costs less than $2,500 per year.   Additionally, you may have to pay for your policy in six-month increments.  If you have a new or financed vehicle, this is especially likely. Given the constraints of the “paid-in-full” rule issued by Florida’s insurance regulators, many insurance companies prefer to shorten the effective periods of their high-risk policies. Frequent renewals permit these companies to account for any changes in a driver’s accident history, criminal status or credit profile. What’s more, this arrangement enables DUI-convicted drivers to make smaller insurance outlays and put more of their hard-earned funds toward other DUI-related expenses.  Select Insurance Group can help with minimizing these daunting prices, as we shop and compare multiple insurance companies that specifically work with high-risk customers.  Many times we can find an adequate rate that is 1/4 of the cost of most of the “shopping” you will see out there and even offer insurance financing on some occasions.

 

Call us at 855-GET-SELECT or (855-438-7353) or request a FREE QUOTE online from one of our licensed insurance specialists!

 

Drunk Driving Penalties in Florida

Drunk Driving Penalties in Florida

If you drink alcohol and drive you dramatically increase your chance of being in a crash. In addition, if you are pulled over and the officer asks you to take a blood, urine or breath test you are required to comply. Florida has the “Implied Consent Law”. When you sign your drivers license you have agreed to take these tests upon request. Refusal to take any of the tests will result in an immediate suspension for one year. A second refusal will result in an 18 month suspension.

Florida Penalties for DUI First Conviction

  • Fine – $250 to $500
  • Community Service – 50 Hours
  • Probation – Not more than 1 Year
  • Imprisonment – Not more than 6 Months
  • Imprisonment with BAL of .08 or higher with a minor in the vehicle, not more than 9 months
  • License Revocation – Minimum of 180 days
  • DUI School – 12 Hours

 

 

 

 

 

 

 

 

(original artical located at :http://www.dmvflorida.org/florida-dui.shtml)

Getting the best bang for your buck – Shopping Florida FR44 Insurance

Simply put, you MUST work with an Experienced Florida FR44 Insurance broker that shops multiple carriers.  Working with a captive company/agent like a GEICO, State Farm, or Allstate (that don’t really offer or are not in the market for FR44‘s) is a recipe for expensive premiums.  Select Insurance Group works with companies that exclusively work with drivers that have:

  • Multiple Traffic Violations
  • Suspension of  their driver’s license
  • Drunk driving violation(s)
  • Driving without insurance violations

Simply put, we can get you the best deal because we shop multiple carriers that are geared toward handling FR44 filings.  Companies like PEAK property and Casualty a/k/a Sentry Insurance, Progressive, Foremost, Gainsco and others.  These companies WANT your business and we will find you that sweetheart-of-a-deal you are looking for.  Many times we are priced at 1/4 of the price of our competitors, simply because we can explore multiple options.  Rest assured, Select Insurance Group has over 10,000 customers and know how to get you back on the road, painlessly and quickly.

Many times, a driver will find themselves where they exceed the maximum allowed number of violations within a certain time period.  That or a Personal Injury claim has occurred, inhibiting the driver from being able to obtain coverage at all.  That’s not a problem.  We have over a decade of experience and we can help.  We can show you the ropes and help you obtain coverage when other places are telling you no or wanting ridiculous prices.

If you problem is needing an FR44 but you have a license in another state, we can help you fulfill this requirement as well.  We are licensed in multiple states and can satisfy your out of state FR44 requirements.

Call us at 855-GET-SELECT or 855-438-7353 or fill out our Guaranteed be$t rate FR44 Form to get started

DUI & DWI Laws in Florida

 

DUI & DWI Laws in Florida

 

Because drinking and driving is so dangerous, the penalties for doing so are extremely harsh in Florida. The state is serious about curbing injuries and deaths from alcohol-related crashes. The more DUIs you receive, the worse the penalties become.

Driving under the influence (DUI) is defined as operating a motor vehicle while impaired with a blood alcohol level (BAC) of .08 or higher, a chemical substance, or a controlled substance (316.193, F.S.). A DUI will remain on your driving record for 75 years.

First Conviction

Even your first DUI mistake can cost you more than just dollars:

  • Fines of $250 to $500. If you have a BAC of .20 or higher, or were driving with a minor in the car, your fine will be anywhere from $500 to $1000.
  • Community service. Mandatory 50 hours, or an additional fine equaling $10 per required hour.
  • Probation of no more than one year.
  • Jail time of at least eight hours, but could last up to six months. For BAC of .20 or higher, the sentence could last nine months.
  • Jail time of at least two years if you kill or injure someone.
  • Vehicle impoundment for 10 days (not counted during your incarceration)
  • Driver license revoked for a six month minimum

Second Conviction

  • Fines of $500 to $1,000. For BAC of .20 or higher, or a minor in the car, minimum $1,000 to $2,000.
  • Jail time of not more than nine months. A BAC of .20 or higher, or driving with a minor in the car, will require up to 12 months. If it’s your second conviction in five years, a mandatory 10-day jail sentence will be required.
  • Vehicle impoundment (if a second conviction in five years) for 30 days.
  • Driver license revoked for six months minimum. If it’s your second conviction in five years, you’ll lose your license for five years (but will be eligible to apply for a hardship license after one year).

Third Conviction

  • Fines of $1,000 to $2,500. If it’s your third conviction in 10 years, you’ll be charged $2,000 to $5,000.
  • Jail time. Mandatory 30 days if it’s your third conviction in 10 years. If it’s outside the 10-year limit, up to 12 months.
  • Vehicle impoundment (third conviction in 10 years) for 90 days.
  • Driver license revoked for a minimum five years. If it’s your third conviction in 10 years, a minimum of 10 years revocation will apply.

Fourth or Subsequent Conviction

  • Fines of $1,000 minimum; with BAC of .20 or higher, minimum of $2,000 fines. No maximum.
  • Jail time of up to five years.
  • Driver license revoked―mandatory permanent revocation. You won’t ever be eligible for hardship reinstatement.

Drivers Younger Than 21 Years of Age

Young drivers who are found with a BAC of .02 or higher are subject to an automatic six-month suspension. For most people, even one drink will put them over that limit.

It Gets Worse

The penalties listed above may sound harsh, but they’re really the best-case scenario for a person who makes the decision to drink alcohol and then get into a car and drive. If you hurt someone while impaired or, worse yet, cause a death, the above penalties will seem like a slap on the wrist.

DUI Misdemeanor

If you cause property damage or personal injury to someone else while driving under the influence, you’ll be charged with a first-degree misdemeanor. That means fines up to $1,000 and jail time of up to one year.

DUI Felony

If you receive three DUIs in a 10-year period, or receive four at any time, you’ll be committing a third-degree felony. You’ll also have a felony conviction if you cause serious bodily injury to someone else, even if it’s your first conviction. Fines can reach $5,000 and jail time can last five years.

DUI Manslaughter

If you kill someone while driving with alcohol in your system, it’s a second-degree felony, with penalties of a fine up to $10,000 and/or jail sentence up to 15 years. If you leave the scene of the accident after killing someone, it’s a first-degree felony, punishable by a fine of up to $10,000 and/or jail sentence up to 30 years.

License Reinstatements

Even if you haven’t caused injuries or served jail time, losing your license can seriously affect other areas of your life, not the least of which is your job.

In some cases, it might be possible to have your suspended license reinstated for hardship purposes, meaning to drive to and from work only. You’ll have to complete a DUI program and probably have an ignition interlock device installed on your car for six months to two years or more.

The ignition interlock device requires the driver to give a breath sample before starting the car. If the BAC is more than .05, the car will not start. The device even submits the driver to “rolling retests,” meaning an alarm will sound and the driver must give a sample while operating the vehicle.

Even if you don’t apply for a hardship reinstatement, you’ll still be required to take the DUI course and possibly use an ignition interlock device. There’s no way to recover from a DUI conviction easily or quickly. The best idea is the simplest: Don’t drink and drive, period.

For more official details and regulations concerning DUI convictions, please see the state’s website.

 

original post located at : http://www.dmv.org/fl-florida/automotive-law/dui.php

Florida FR44 Insurance Companies

Florida FR44 Insurance Companies

Peak Property and Casualty Insurance Company a/k/a Dairyland Insurance –  offers FR44 policies paid in full only to select clients.

Mercury Insurance Company was established in 1962 by George Joseph in Los Angeles. A.M. Best Company
has rated Mercury an A+ “Excellent” company. Celebrating their 50th anniversary in 2012, Mercury believes one
reason for their success is the trust they’ve built with customers. Forbes magazine has named Mercury one of
“America’s Most Trustworthy Companies.” Mercury gives full support to their independent agents.

Mercury consistently maintains very strict underwriting (qualifying) rules and guidelines which enables them to
keep rates low. Policies requiring the FR44 filing may take as long as two weeks for approval by the company.
Generally, the DUI can be the only blemish on the driving record. Mercury currently offers payment plans for FR44
policies and allows for electronic signatures which eases and expedites the application process. If you qualify, this
is a great company to be insured with.

Infinity Insurance Company is a top leader in quality insurance services and products. This company has been
successful since 1950 and their headquarters are located in Birmingham, Alabama. Infinity Insurance Company
consistently receives high ratings for financial strength by all the reputable rating agencies.

Successful applicants approved for a policy with FR44 will have to pay for the insurance in full without the benefit
of any type of payment plan. Although the company does not allow for a non owner FR44 policy, they will provide
non owner policy for a Florida SR22. Successful applicants will have their FR44 filed within 24 to 48 hours. The
company provides for electronic signatures. Infinity also offers policies for commercial trucks and vehicles, which
can also have a filing. From our experience here at the agency, they have become quite competitive recently.
They are eager for business, and there low rates demonstrate that.

Foremost Insurance Group Company, headquartered in Grand Rapids, Michigan, was founded on June 12,
1952 by Edward J. Frey, Edward L. Stoddard and several investors. Foremost was acquired by the Farmers
Insurance Group on March 12, 2000. The financial strength of Foremost Insurance Group was rated A by the
rating company A.M. Best. They accept most types of drivers with different driving histories.

Foremost is one of the more flexible companies that we work with. They will accept a wide variety of vehicle types
and drivers with varied histories, including those with a currently suspended license, and filings are completed
within 24 to 48 hours. Another great thing about Foremost is that a hard copy of your FR44 certificate is available
immediately after purchasing the policy. With many companies you will have to wait for the certificate due to the
special handling and processing that certificates require. Whether you need an FR44 or SR22 filed, or just want to
save some money on your current policy, Foremost is an excellent company with a great track record and
competitive prices.

Progressive Insurance Company was started on March 10, 1937 by two lawyers named Joseph Lewis and Jack
Green and became a public company in 1971. Progressive auto insurance can be purchased online, by phone or
through independent insurance agents. Progressive also offers insurance for motorcycles, boats, commercial
vehicles, snowmobiles, RV’s and more.

Like Foremost, Progressive is a very flexible company and will offer FR44 policies with many different violations on
the driving record. Also, the FR44 filing can be done with motorcycle insurance Progressive which is often
considerably less than a car insurance policy. Policies can be written while a driver license is suspended and
filings are completed within 24 to 48 hours. Progressive does not offer payment plans for FR44 policies.

Progressive makes purchasing insurance very simple and easy. After you submit your down payment, you can
sign the application online and print out your ID cards right from home! It only takes a few minutes. Also, this
company has always been a leader in quality customer service. And just one example of how they do that is they
are open 24/7 to answer questions, take payments, and help with any concerns you may have. You can also make
payments, changes, or check your coverages right online with ease anytime. Their new snapshot program is just
another way you can save with this company. Safe drivers can save up to 30%. “Now that’s Progressive!”

GMAC Insurance Personal Lines Group is one of the largest automobile insurers in the United States. GMAC
Insurance Personal Lines Group offers property and casualty products, including personal auto, RV, motorcycle,
commercial auto and more. With a nationwide network of claims professionals and a 24-hour, toll-free claims
hotline available 365 days a year, GMAC Insurance provides superior claims service for its customers.

GMAC has strict underwriting rules and guidelines which disqualifies many drivers, but keeps rates low for others.
This company will offer a policy for FR44 only if insured has prior Bodily Injury Liability of a least 25/50. There are
other restrictions however, even if prior is 25/50, such as territory may not be open for new business and there
must be an equal number of drivers and vehicles.

Travelers Insurance Company’s main offices are located in New York, N.Y., Hartford, Connecticut and Saint
Paul, Minnesota. Field or branch locations are in all 50 states, Canada, Ireland and the United Kingdom. Traveler’s
is one of the largest property casualty companies and the second largest writer of commercial U.S. property
insurance. This is a great company to be insured with and we are privileged to be working with them, however,
they do not offer policies to any driver convicted of a DUI.

Kingsway Amigo does not offer a policy when your license is suspended and does not offer a rate when SR22 or
FR44 is required.

Windhaven does not offer FR44 polices and they do not offer BI higher than 10/20 for any policy. They do
however offer SR22 owners policies.

Allstate provides FR44 policies but only to their current clients.

State Farm does not offer FR44 insurance.

GEICO offers FR44 policies paid in full only to select clients.

 

 

 

 

 

 

 

 

 

 

(original article located at http://floridafr44.com/fr44insurancecompanies.html)

Florida FR44 Filing Process- what is needed to Reinstate your License

Florida FR44 insurance is car insurance which meets certain coverage and  procedural requirements as prescribed by law. This regulation must be satisfied  and maintained for DUI drivers to keep a valid Florida license. Increased  limits, reporting compliance and a $15.00 fee are mandatory. These additions to  a car insurance policy are similar requirements other high risk drivers  experience. Unique to a Florida DUI insurance policy is the high liability  limits of 100/300/50; ten times the financial responsibility requirement for  drivers with out a DUI.

The FR44 filing (Uniform Financial Responsibility Certificate) is the method  used to verify insurance compliance for convicted DUI drivers. The Certificate  (Form) is filed (submitted) to the Florida Bureau of Financial Responsibility  electronically by the insurance company after policy purchase. This process is  the last step in getting back a valid Florida license. First a policy is  purchased from a Florida authorized insurance company which secures the  Financial Responsibility case number from the MVR. This is a tracking number  assigned to each individual DUI driver. The driver license can be reinstated  when the DMV data base is refreshed indicating your compliance and eligibility.  Naturally, a reinstatement fee will apply.

The compliance period is for 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 coverage with a new eligible policy then their license will be  suspended. Reinstatement occurs only after the process is repeated and  additional elevated reinstatement fees are paid.  Contact Select Insurance Group for your Florida FR44 Insurance filing needs at 855-438-7353 or click here for a free quote

 

 

 

 

 

 

 

 

 

 

Article Source: http://EzineArticles.com/4564919

FR44 Insurance in Florida – what you need to know.

FR44 Insurance in Florida

If you need another reason to avoid a DUI conviction, consider the fact that a Florida driver’s license suspension for a Driving Under the Influence (“DUI”) conviction will cause your auto insurance rates to increase dramatically for the next five years.

Increased Insurance Premiums with FR-44 Insurance

Your Florida auto insurance premiums could increase by 200% to 300% from the amount you paid prior to your DUI arrest. Even worse, your insurance company may cancel or fail to renew your automobile insurance coverage in Florida. If you shop for new automobile insurance after being canceled from your old insurance company, the fact that your auto insurance is canceled will cause an additional increase in insurance premiums.

For many the increase in insurance premiums is so dramatic that maintaining automobile insurance becomes difficult or impossible. Any lapse in insurance will result in an automatic suspension of your driver’s license under Florida law.

Higher Policy Limits

On February 2, 2008, the Florida Department of Highway Safety and Motor Vehicles (“DHSMV”) introduced the new financial responsibility certification required under Section 316.193, Florida Statutes. The certification is a form called a Florida FR-44 Form and is similar to the SR-22, which was required prior to February 2, 2008. One of the differences between the new FR-44 form and the old SR-22 form is that higher liability limits are now required.

After a DUI conviction in Florida, your license will be suspended by order of the court. In order to reinstate your Florida driver’s license, you will be required to obtain a FR-44 Form which must be maintained for three years. You obtain the FR-44 form from your auto insurance company. As soon as you ask for the FR-44, your auto insurance company will know that your driver’s license has been suspended for a Florida DUI conviction, and your status will be changed to “high risk” causing the increased premiums.

Obtaining the FR-44 Form

The Florida FR-44 Form is a certificate of continuing financial responsibility showing the limits of your automobile liability insurance that must be kept on file with the Florida DHSMV for three years from the ending date of any revocation. The Florida FR-44 form also requires the insurance company to notify the DHSMV if your insurance policy is canceled, terminated, or lapses for any reason.

You must increase your auto insurance policy to comply with Florida FR-44 liability limits, which are 100/300/50. The 100/300/50 limits means that you must have bodily injury liability insurance in the amount of $100,000 per person, $300,000 per occurrence and $50,000 property damage liability coverage. To reinstate your Florida driver’s license, you must usually pay a reinstatement fee of $150 (for a first suspension), $250 (for a second suspension), or $500 (for a third suspension).

FR44 and SR22 Insurance for Florida & Virginia Residents

FR44 & Insurance in Florida and Virginia.

In some  states, such as Virginia and Florida, an FR-44 Filing may be required when you have a DUI / DWI / OVWI or other alcohol related violation. An FR44  filing is similar in theory to an SR 22, except that it may indicate that you  maintain more than just the minimum amount of coverage required by the state  requesting it.If you need an FR44, you will  likely be required to purchase more than just the minimum amount of liability  insurance.  Our agents can help you to determine what the requirements for  insurance are for your state, based on your situation.  Depending on the sate in  which you reside, we will help you to determine which form to use, either the

SR22 or FR44

The terms “sr22 insurance” and “fr44 insurance“,  much like “dui insurance“, are used by the general public, but are not official  types of insurance.  Our agency helps with auto insurance for people who have a  DUI or DWI on their records, as well as adding an SR22 or FR44 Filing to the  insurance policy.  When you contact us, we can help explain in better detail  what these terms mean.
What information do I need?
In many situations you may receive a case number.   Please make sure to provide us with your case number so that we can have the  FR44 form issued correctly.  If you have your DUI / DWI conviction date  available, that would be helpful as well.
To obtain an estimate for the price of insurance  with an FR44 only takes a few moments.  When you are ready to purchase your  insurance, we can often provide you with a new temporary ID card and FR44 in the  same day.
How can Select Insurance Group help me with  my auto insurance?
We shop a variety on insurance carriers in over 42 states to help you compare the rates and coverage options so that you can choose  the price and amount of coverage that works for you.  Same day quotes are  available for auto insurance, even if you need an SR22 or FR44.  Our friendly  team works hard to understand your needs and to be here for you.
The auto insurance carriers with whom we work  can help drivers with:

 

  • DUIs & DWIs
  • SR22 filings –  same day available in most situations
  • FR44 filings –  same day available in most situations
  • Multiple point
  • Suspended Licenses
  • Foreign Drivers Licenses
  • And other tricky situations…