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Tag Archives: FR-44

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 – 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.