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Tag Archives: FL FR44

The Consequences for Not Carrying a Required Florida FR44

If the State of Florida has Mandated that you obtain a Florida FR44 Insurance Policy… and you drive without one… what are the consequences?

Under Florida Law, the penalty for driving without proper insurance is punishable with fines between $150 and $500, loss of license and being required to carry FR44 approved insurance for at least three years. In addition to the initial fines, the driver will be responsible for court costs and drivers license reinstatement fees.

While SR22 and FR44 insurance coverage is mandatory in several cases, it is by no means the limit to the coverage that a driver can get. These are simply the bare minimums. Full coverage insurance, including collision and comprehensive components, is still far better than the minimums that SR22 and FR44 impose. Because no two insurance situations are alike, Florida auto insurance agents should be consulted to help determine the best coverage in an individual. Make sure the coverage that is ultimately chosen fits your needs. Don’t take out full coverage on a car that can be replaced with a few thousand dollars. You’ll be able to save that amount in a few years based on the savings in premium differences between PIP/PDL and full coverage. In contrast, don’t get PIP/PDL if you own a new Cadillac that will cost over $30,000 to replace if it is totaled.

Florida FR44 Insurance, Florida DUI Insurance, FL FR44, FR44

Select Insurance Group Specializes in Non-Owner and Owner Florida FR44 Insurance Products. With thousands of policies sold, Select Insurance Group has the resources, experience, and customer support to find you the right product at the lowest price. As Insurance Brokers, we’re not tied to any specific company. Our objective is to find the right insurance product that matches your legal requirements and budget. Select Insurance Group routinely finds Florida FR44 Policies that are thousands of dollars less than competing quotes… simply by shopping the market at the time of purchase. Let Select Insurance Group find you the lowest price today! Call Now or enter your information into our Quoting Engine!

PORTIONS OF THIS ARTICLE RE-POSTED FROM FLORIDAAUTOINSURANCECHEAP.COM/SR22-INSURANCE/ POST

Florida FR44 – Keeping Things Simple

What’s the Easiest Way to Take Care of a Florida FR44?

So you were convicted of a DUI in the State of Florida and now you have to carry an FR44 for a few years. How do you go about obtaining one? Are there different prices for the same thing? How long does it take to get one?

Ironically, you don’t have to know anything about a Florida FR44 to get one. With minimal personal information such as your name, address, driver’s license number, date of birth, case number… you can get a quote from a reputable insurance agency and a policy can be issued. Most insurance agencies will file all of the proper paperwork for you, notify the appropriate authorities of your compliance, and deliver your policy via both email and snail mail. Basically you sit back and wait anywhere from 24 to 72 hours for your policy to be uploaded to the system in Tallahassee. Once your compliance has been acknowledged by the Florida DMV, you’re free to pay your reinstatement fee and get your license back (provided it was suspended in the first place). You are also free to get an Ignition Interlock Device if required. Payment for the policy can usually be made with a MasterCard, Visa, Discover and sometimes AMEX.

Florida FR44, Florida DUI Insurance, FL FR44

Pricing does vary between insurance carriers, often significantly, which is why working with an Insurance Broker is a good idea. A Broker can shop multiple companies to find the lowest rate for your unique situation. They also learn through experience which companies are better for different situations. Sometimes pricing can vary by as much as $1,000 for the same coverage over a 6 month period of time. It should also be noted that a Florida FR44 MUST be paid in its entirety on the 6 month policy. There are certain exceptions, but a good rule of thumb is to expect to pay anywhere from $300 to $3,000 depending on whether you need a Non-Owner Florida FR44 or an Owner Florida FR44. An Owner policy simply means you need to put an automobile on your plan. With a Non-Owner policy you can’t own a vehicle, but you can legally drive someone else’s car.

Chances are you’ve spent a small fortune on this DUI issue already. Don’t make getting a Florida FR44 any harder than it needs to be.

Florida FR44 – What It Is and How to Get One… Cheap

How to Obtain the Lowest Price on a Florida FR44

What Is an FR44?

An FR44 may be necessary when you have a DUI / DWI / OVWI or other alcohol related violation. Similar in theory to an SR22, an FR44 will mandate that you purchase and maintain insurance coverage greater than the State Minimum Requirements. A second reason for this filing, beyond punishing the violator for his or her offense, is that the State doesn’t trust that the driver will purchase and continue to pay for their insurance policy without a “Nanny System” in place. The insurance company reports to the State DMV, on a monthly basis, that the insured is indeed covered with the required policy amounts. If at any point in time your coverage were to lapse, the insurance company immediately reports that lapse, your license is suspended, and unbeknownst to you… you’re no longer legally able to operate a vehicle. The coverage that must be maintained is 100/300/50.

The first question is whether you need an Owner or Non-Owner Policy. You’ll need an Owner Policy if you actually own a vehicle that you plan on driving. In its simplest form, if your automobile needs to be covered on the insurance policy, you need an Owner Policy. Conversely, if you don’t own a car and plan on just driving other automobiles, insured by their respective owners, you can purchase the lesser expensive Non-Owner Policy.

What Information will you Need to get a Quote on an FR44?

The information you’ll need to provide for a solid quote is as follows:

  1. Full Name
  2. Your Gender
  3. Your Physical Mailing Address (P.O. Boxes are Not Allowed)
  4. Phone Number
  5. Birth Date
  6. Relationship Status (Married, Divorced, Single, Widowed)
  7. Driver’s License Number
  8. The State You’re Licensed In
  9. The State You Need the Filing in (You Can Live In One State and Have to File in Another)

10. Whether You Need an Owner or Non-Owner Policy

11. If an Owner Policy is Needed, the VIN (Vehicle Identification Number) on that Automobile

12. If You Need a Florida FR44, Your Case Number (or Conviction Number), which is a 9 Digit Number (No Letters, All Numbers). You can call the DMV and Request this Number if you Don’t Know it

Quotes can be run in as little as 5 minutes and a number of different insurance companies can be shopped. Shopping the market ensures you get the best product at the best price. You can immediately purchase your FR44 with a MasterCard, Visa, or Discover Card (in most cases). It is not necessary for you to be the Card Holder; anyone can pay for your policy.

What does a Florida FR44 Cost?

It should be noted that since legislation was passed in 2008, a Florida FR44 MUST be paid for in its entirety at the time of purchase (Unlike its SR22 counterpart, which can be paid for via a monthly payment plan). This is usually the biggest issue with obtaining the insurance since the rates can span from a couple of hundred dollars to a few thousand.

Many factors play into the pricing of the plan; demographics, insurance company rates, age, gender, number and severity of violations, etc. An MVR Report will be mandatory before a quote can be generated. One of the worst things to show up on your record are “At Fault” accidents. Basically, if you’ve cost insurance companies money in the past, you’re going to pay for it… that’s if you can even be covered at all. A seriously bad driving record, one with 2 or more At Fault accidents, can actually cause most insurance companies to decline coverage altogether. However, we have ways of finding alternatives and have only met a few cases we couldn’t get coverage for.

How Does the FR44 Get Filed with the State?

I can’t speak for all Agents or Agencies, but if you obtain your Florida FR44 through us, we file everything for you. We put the paperwork together, make the policy active, notify Tallahassee of your compliance, electronically file your FR44 with the DMV, and email your policy to you within 30 minutes. Additionally, in approximately 5 business days, you’ll receive a “Hard Copy” of your policy from the insurance company.

Even though all of this happens quickly, it will still take anywhere from 24 to 48 hours before you’ll show up in the DMV’s system. Don’t think you can purchase a policy while sitting at the DMV and by the time they call your number, have your information logged into the system. On special occasions, with the right DMV personnel, they can/will process everything with a copy… it’s “Hit and Miss”. Obviously the best thing to do is give yourself at least 2 weeks before you need to have your license reinstated. This will ensure a smooth transaction.

Where Can You Obtain a Florida FR44?

While a number of insurance companies will sell you an FR44, many of them don’t really want to work with the “High Risk” driving market. Therefore, they price their products accordingly. By virtue of being able to offer the insurance, the company has been “cleared” by the State of Florida… so don’t worry about the company itself. However, if you’re going to receive 100/300/50 coverage no matter which company you choose, you may as well find the Lowest Price. Insurance pricing fluctuates throughout the year based upon win/loss ratios, financial stability, etc. so the price you received yesterday may not be the best price today. While it’s smart to request a quote for the future, if for no other reason than to gauge an estimated price for your policy, understand that the rate may change by the time you actually purchase the policy.

We would be happy to shop the market for your Florida FR44. You can call us at 1-855-678-6977 to speak with a licensed insurance agent or you can complete our on-line quoting form at www.MyFloridaFR44.com.

How Do I Get A Cheap Florida FR44?

The Buyer’s Guide to a Cheap Florida FR44

First, What is an Florida FR44?

A Florida FR44 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 SR22, except that it may indicate that you maintain more than the State Minimum Coverage as just the minimum amount of coverage required by the of Florida.

If you need a Florida 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.

Do you need an Owner Policy or a Non-Owner? We can help you decide, but in general terms an Owner Policy has an automobile attached to it and a Non-Owner Policy doesn’t.

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.  This is usually a 9 digit number (no letters). 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 provide you with a new temporary ID card and FR44 in the same day. 

Florida FR44 Insurance Now Requires Full Payment

Florida FR44 insurance now requires full payment – Low cost polices still available to smart buyers!

As of May 4th 2012, Florida car insurance policies with Florida FR44 filing may not be cancelled by the insured or company after 30 days. The initial 30 day period is to allow the insurance company to complete its underwriting. After the company determines the risk eligible, according to its rules and guidelines, the non cancellable provision becomes effective. At this time, the company will notify the DMV and the DUI driver can reinstate their license.

From now on, most companies will only offer a paid in full bill plan for such policies. It’s very important to shop around because some companies will still offer a payment plan, although they might be soon to follow. Also, with any of the companies requiring the policy to be paid in full, the coverage on the  policy cannot be changed during the policy period and the premium is non refundable. Any changes to the risk will require a new policy to be purchased and paid in full. If the new policy is from the same company, then they may apply a credit from the old policy to the new one.

This action will ensure that a DUI driver will have continuous Florida FR44 insurance with 100/300/50 liability in effect, for at least 6 months, after they reinstate their license. Having the proper insurance is good for everyone concerned, however, having to pay for it all at once will be unaffordable for some, leaving them without. Their license will remain suspended and any driving they may do invites additional harsh consequences.

With some companies, even drivers who have had a Florida DUI insurance policy continuously in force without any lapse and paid monthly, must pay their renewal in full. The new mandate is very unfair to all these policyholders and many of them will simply be unable to pay. This will cause their license to be suspended and subject to additional reinstatement fees when they are finally able to afford a paid in full policy.

With low loss ratios and cancellations, Florida FR44 insurance policies are profitable for companies and many are competing for this business with sensible rates. The new rule will make the policies even more attractive for insurance companies which will have a price reducing effect for consumers. In the meantime however, it simply means the policyholder will have to “come up with the cash” for a paid in full policy with some companies to keep their license active. Some drivers who are unable to pay will inevitably drive without car insurance, making the mandate counterproductive in this circumstance.

Most people agree that driving while intoxicated is dangerous and should be dealt with aggressively to reduce the number of incidences. I do not believe this aggressive action will have much of an effect at reducing the number of DUI drivers, and may increase the number that drive without insurance. Punishing policyholders who have been compliant by maintaining their insurance and Florida FR44 filing in good standing, and forcing them to pay for their renewal premium in full, seems unjust to me.  I believe “Anyone can easily make this mistake and most learn their lesson the first time.” Targeting repeat offenders and those that do not maintain their required insurance would be a better approach.

Article Information Source (in part): floridafr44.com

Where Can I Find Cheap FR44 Insurance In Florida?

Florida FR44 – Facts and Resources

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 SR22 form and the lesser-known FR44 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 FR44 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 FR44. 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 SR22 and the  FR44. As a resident of a state that requires drivers to file an FR44 form,  you’ll almost certainly be required to pay upfront for your insurance coverage.  In fact, Florida law prohibits insurers from charging monthly premiums on FR44  policies. This restriction is designed to  protect the financial health of the  insurers that operate the state and penalize DUI-convicted drivers in equal  measure.

Florida FR44 Insurance, Cheap Florida FR44 Insurance

Unfortunately, the high cost of FR44 policies means that this requirement  will force you to make a substantial outlay 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 FR44 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.

Ultimately, you’ll find affordable FR44 insurance quotes by searching online  aggregators or calling the various auto insurance companies that conduct  business in Florida. While you might be shocked by the cost of the policies that  you find, you may be able to reduce your total insurance costs by taking  advantage of certain discounts and credits.

Article Source: www.thelawdictionary.org

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

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)

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…

What forms do I need for FR44 insurance in Florida?

FR-44 forms are submitted to the Bureau of Financial Responsibility by your insurance company on your behalf. If you don’t submit the FR-44, or you fail to meet and maintain the requirements laid out in the FR-44 form, your driver’s license and vehicle registration will be suspended. This is serious stuff. And don’t go thinking you can simply cancel your insurance policy with your current insurer to avoid the FR44. They are required by law to notify the Bureau of Financial Responsibly of the cancellation by submiting an FR-46 form. This may mean your license is suspended.

Fr-44 forms are submitted to Florida’s Bureau of Financial Responsibility by insurance companies on behalf of the policyholder. Failure to maintain the Fr-44 requirement will result in driver’s license and vehicle registration suspensions. Insurance companies are required to notify the Bureau of Financial Responsibly of cancellation of insurance by submitting form Fr-46 to the bureau.

The FR-44 form is similar to the SR-22 form, but they are still both in use in Florida. The SR-22 is generally used to provide evidence of insurance for convictions other than DUI.

Make sure to compare several DUI insurance deals to see what you can save on your insurance. You may also find it useful it look at this publication Dui Process, Clear Your Drunk Driving Record – a simple step-by-step guide to what you might be able to do to reduce your DUI record.

So, if you have been convicted of a DUI and must submit an FR-44, compare auto insurance deals NOW to see what might still be available to you even with your poor driving record.