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Tag Archives: 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

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 )