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Tag Archives: Florida Non Owner SR22 Insurance

Determining the Status of Your Florida Driver’s License

Determine the Status of Your Florida Driver’s License

The Department of Highway Safety and Motor Vehicles (DHSMV) and the courts have the ability to suspend or revoke your driver’s license on a variety of grounds.

Sometimes, your driver’s license can be suspended without your knowing it. It’s easy to check the status of your license when you look at your driving record.

Check Your Driving Record

Your driving record report will advise you if your driver’s license is currently valid or whether it’s suspended or revoked. The record will also show points against your license and, in some cases, any accidents you have had.

You can order your driving record in one of three ways: online, in person, or through the mail.

  • Order Driving Record In Person
    1. Complete and notarize a Request for Personal Information if you want your personal information shown on the record.
    2. Be ready to pay the $2.10 or $3.10 fee, depending on whether you want a certified copy and how far back you want to go.
    3. Visit your County Clerk’s office. You may want to call in advance to see which forms of payment are accepted.
  • Order Driving Record By Mail
    1. Write a letter asking for your record or the record of the individual you’re researching. Remember to include your full name, your date of birth, social security number, and Florida driver’s license.
    2. Fill out and notarize the Request for Personal Information if you are ordering your own record and want your personal information visible on it.
    3. Include a check or money order to cover the fee. It’s $2.10 for a one year history, or $3.10 to go back completely or for a certified copy.
    4. If you can wait two weeks for the receipt, mail the application and fee to:
      • Bureau of Records
      • P.O. Box 5775
      • Tallahassee, FL 32314-5775
    5. To request that your record is sent by next-day delivery, send to:
      • Bureau of Records
      • 2900 Apalachee Parkway, MS 90
      • Tallahassee, FL 32399-0575

Suspended in All States?

If you move and have a suspended license in your old state, you won’t be able to get a new driver’s license in your new state, either. This is because of the National Driver Register (NDR) and the Driver License Compact, both of which tell other states if you’re suspended anywhere in the U.S.

Penalties for Driving on a Suspended License

If you drive on a suspended license, your penalties depend on the circumstances. You could be charged with a misdemeanor or a felony. The DHSMV provides a special bulletin you can download that highlights the penalties for driving on a suspended license.

Contact an Attorney

If you’re being charged with a felony for driving on a suspended license, you may want to get advice from an attorney. An experienced attorney may help lower your costs and penalties.

Obtain a Restricted License

Some people may have the option of getting a hardship license so they can drive to and from work. Whether you qualify depends on factors like your offense and how many points you have.

To find out if you qualify, you need to contact your local Administrative Reviews office. To find your office, look under your county’s listing for a heading that reads “Under Suspension – Need Driver License for Work,” and a phone number to call.

If you need more assistance with obtaining a hardship license, seek legal advice.

Reinstate Your License

When you’re allowed to reinstate your license―and the requirements you must fulfill to do so―depends on the reason for your license suspension.

Some of these scenarios may cause your insurance to jump; you may be able to get a lower rate if you shop around.

The process differs slightly from scenario to scenario, and you may want to consult an attorney before you get started. Here are a few examples:

Reinstate for Child Support Delinquency

  1. To get your license back, you must become current on your support and get affidavit Form # DHSMV 73986 from the clerk of the court, child support agency, or depository.
  2. Bring this and a $60 fee in to your County Clerk’s office.
  3. If you received the affidavit before your license got suspended, the fee will be waived. Just show them the date on the affidavit to prove it.

Habitual Traffic Offender

  1. Your license is suspended for five years. After one year, you can ask for a hardship license from the Administrative Reviews office.
  2. You must attend driver improvement. If you got a DUI, you’ll need to go to DUI school.
  3. After five years, you’ll have to request a new license from the Administrative Reviews office (the same place that gave you your hardship license).

Violation Resulting in Death or Personal Injury (Not a DUI)

  1. Your license will be suspended for a year.
  2. You’ll have to take Advanced Driver Training and an exam.
  3. You’ll have to pay $35 to reinstate your license, plus license fees.

Failure to Comply with Traffic Summons or Pay a Fine

  1. You’ll have to pay your fines at a traffic court or online, if your county allows.
  2. Bring your payment proof to a DMV office and pay a $60 fee.

Keep Your Record Clean

There are many ways to get your license suspended. The state has an interactive quiz that tests your knowledge of how your license may be suspended. Try it out.

In the meantime, avoid:

Giving False Information on a License Application

If you give wrong information on your driver’s license application, your license will be suspended. You may request a hearing, but if you’re found to have committed fraud, you’ll have to pay fines and wait for a period before obtaining a new license.

Getting Too Many Points

Getting citations resulting in too many point violations on your record.

  • 12 points in 12 months: 30 day suspension.
  • 18 points in 18 months: Three month suspension.
  • 24 points in 36 months: 12 month suspension.

Refusing to Comply with State Laws

Your license is used as a compliance tool in law enforcement. If you don’t stop for a school bus, are using tobacco if you’re under age 18, or don’t pay your child support, you can have your license suspended.

Refusing a Blood Alcohol Test

Under state law, you must take a blood alcohol test when you’re suspected of driving under the influence. Your license could be suspended even if you’re innocent, if you fail to comply.

Lacking Florida Insurance

You must have current and adequate Florida insurance with $10,000 minimum personal injury protection and $10,000 minimum property coverage to drive. If you don’t, you face a suspended license.

Remember, you must get your insurance from a company licensed in the state.

Ignoring Your Traffic Tickets

If you’ve gotten traffic tickets that you don’t pay, or if you don’t appear in court when you’re supposed to, your driver’s license can get suspended. Your signing the ticket when you receive it means that you’re acknowledging you will take care of the ticket.

Getting a DUI

A DUI results in an automatic suspension. How long the suspension lasts depends on how many times it’s happened. Suspension times vary from 180 days to permanent revocation.

INFORMATION RE-POSTED FROM DMV.ORG

Florida DUI Conviction Information

The Repercussions of a DUI in the State of 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.

A DUI conviction might also make it more expensive to obtain other forms of insurance, including life insurance, medical and disability insurance. Contact a Tampa DUI Attorney to find out more about the effect a DUI conviction will have on your car insurance rates including the requirement for FR 44 insurance. Find the lowest price on Florida FR44 Insurance here.

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.

FR44 Insurance in the State of Florida

The Florida 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 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 FR44 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). For quotes on Florida FR44 insurance policies, click here.

Find Out More About Avoiding the Hidden Costs of a DUI Conviction

If you have been arrested for driving under the influence (“DUI”) in Hillsborough County, Pinellas County, Polk County or Pasco County, contact an experienced Tampa DUI Attorney to discuss the true costs of a Florida DUI conviction.

The Sammis Law Firm Lawyers handle driving under the influense (“DUI”) cases throughout the Tampa Bay Area, including the cites of Tampa, Pinellas, St. Petersburg, Plant City, New Port Richey, Dade City, and Bartow, Florida. Contact the Sammis Law Firm for a free consultation to discuss your Florida DUI arrest and pending DUI charges in Hillsborough County, Pasco County, Pinellas County, Polk County or the surrounding areas.

INFORMATION OBTAINED FROM CRIMINALDEFENSEATTORNEYTAMPA.COM

Florida FR44 Or Virginia FR44 – Non-Owner and Owner Policies

What Is An FR44?

In some states, such as Virginia and Florida, an 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 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.

Cheap Florida FR44 Insurance, Cheap Virginia FR44 Insurance

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.

How can www.SR22Coverage.com help me?

We shop a variety on insurance carriers in over 39 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.  Immediate quotes are available for SR22’s or FR44’s.  Our licensed insurance professionals work hard to understand your needs and to be here for you.

Partial Article Information Obtained From: http://www.stratumins.com/dui/what_is_an_fr44.htm

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

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…

Florida Non Owner SR22 Insurance

Florida State does not take lightly to driver’s that have committed serious driving offenses. In fact, in many cases, a special type of filing will need to be performed with the Florida Department of Motor Vehicles which is called aSR22 filing.
What is Florida Non Owner SR22 Insurance?
Florida non owner SR22 insurance is a type of insurance policy which is purchased by an individual that occasionally drives the vehicle of another individual. The driver does not actually own the vehicle, and it is a type of insurance that is for unplanned or occasional driving of a vehicle registered to someone else. This is not a type of insurance that will be issued to anyone that owns a vehicle. If the driver lives in a home which they occasionally “borrow” the vehicle of another that lives in the home, it may also be purchased for such occasions. However, if the individuals are husband and wife, the policy will not be issued.
Why Might I Need a Florida Non Owner SR22 Insurance Policy?
There are various reasons that Florida State may require a SR22 filing for a driver. The most common reasons that the state may require an SR22 filing are the following:

  • Accumulation of too many points
  • Driving without a license
  • Driving without proper insurance or no insurance
  • Driving after a suspension
  • Child support
  • Judgment

The SR22 is a financial responsibility certificate that is attached to the non owner’s policy and filed by the driver’s insurance provider with the Florida DMV. The DMV then tracks and monitors the driver’s insurance coverage to ensure that it does not lapse or that it is not canceled. Should either occur, the state will receive a SR26 form from the driver’s insurance company and they will then suspend the individual’s driver’s license.
Non owner SR22 is purchased by all drivers that is mandated by the state to complete an SR22 filing to either reinstate their license or to retain their license.
How Long Will I Have to Maintain Non Owners SR22 Insurance?
SR22 insurance is typically required for a duration of three to five years. If for some reason during this time you purchase a vehicle, then you will then switch your policy to a vehicle owner policy with a SR22 attachment. If you are not obtaining your insurance policy from your current provider, you will first need to secure your new policy in order to avoid having your license suspended.
How Do I Shop For Florida Non Owners SR22 Insurance Policies?
To shop for Florida SR22 insurance policies your best source is online. Purchasing an insurance policy online has become one of the best sources when purchasing insurance. Insurance providers are offering premium policies for discounted rates, as they have cut out the insurance agent, and the expensive overhead of a ground business.
Drivers can obtain free multiple quotes from Select Insurance Group, a leading company for all your SR22 needs, whether you own a vehicle or not. We do the shopping for you, so you don’t have to. Give us a call today, and see the difference for yourself. We value your business, and are here to help. Submit your inquiry using our secure online form, or give us a call today.

FR44 Florida Auto Insurance Facts For DUI Drivers

FR44 Insurance Requirements:
Liability requirements are a minimum of $100,000 per person, $300,000 per accident of Bodily Injury Liability and $50,000 of Property Damage Liability. A single combined limit of $300,000 is also acceptable. The financial responsibility requirement for other drivers in Florida is 10/20/10. After a policy is issued it cannot be cancelled. Compliance period is for three years. The filing must be on a Florida insurance policy.
FR44 Policy Types:
In addition to a car or truck policy a non-owner or motorcycle policy is acceptable. These two types exclude Personal Injury Protection which is very expensive and required on every car or truck policy. The non-owner policy is only available to drivers who do not own a vehicle, and do not have regular access to one. The motorcycle insurance policyis the least restrictive and often the least expensive way to file.
Florida FR44 Companies:
The well-known companies listed here demonstrate the wide variety of offers coming from different providers. Available through independent agents are; Progressive, Dairyland and Foremost accepting most drivers, Mercury and Infinity which are more restrictive, and Travelers which declines altogether. Foremost and Progressive is the only ones offering monthly payments. Others include; Allstate accommodating current clients only, Geico requiring payment in full, and the biggest company of all, unlike a good neighbor, rejects totally.
FR44 Insurance Cost:
The State filing fee is just 15.00 dollars. However, Increased liability limits, removal of safe driver discounts, and placement into a less favorable rating tier account for much more. Over time, maintaining high limits and continuous prior insurance provide significant discounts that reduce rates. Also, this risk group has been very profitable for companies (agents too) and therefore competition will likely increase. After 3 years rating points from the DUI are removed while discounts continue.
Form Completion:
Required information is derived from the MVR and policy application and includes the name, address, license number, and birth date of insured, and name, effective date, NAIC code, policy number of company, and FR44 case number from the MVR. The policy type is indicated as either owners policy with the year, make, model, and VIN of all registered

vehicles, or operators (non-owner) policy, applicable to any vehicle not registered or titled to insured. Authorized representative signature and date prepared completes form. FR44 Filing: The completed form is filed (submitted) to Florida’s Bureau of Financial Responsibility. After June 30, 2009 all companies must submit filings electronically. The DMV does not accept proof from policyholders. Companies are required to notify the bureau when there is a cancellation, termination, or lapse of a policy for any reason. Buying from a company that files at point of sale accelerates the process. Choose a company that files instantly in order to reinstate your license quickly. Miscellaneous Facts: The actual name of the form is the Florida Uniform Financial Responsibility Certificate FR-44. Florida statute 324.023 is applicable and effective after October 1, 2007. There are no driving restrictions associated with such a filing. Driver exclusions are not permitted on a policy. There cannot be more than one FR44, or FR44 and SR22, on the same driver. Noncompliance results in license and vehicle registration suspension.
The entire staff at Select Insurance Group is dedicated to helping DUI drivers through the Florida Fr44 insurance process. Our experience is evident the moment you call for a quote or need your questions answered. Select Insurance Group  provides competitive FR44 Florida auto insurance quotes. www.selectsr22insurance.com.  855-GET-SELECT (855-438-7353)