At some point in your life, you have probably heard of SR-22 insurance and the implications that it brings, but FR-44 might still be a bit of a mystery to you. The first thing you need to know is that these two are actually quite similar. The FR-44 bears quite the resemblance to the SR-22 in that you need to file it with the state following certain convictions. The FR-44, however, is almost always required in the event of a DUI conviction and the limitations placed on drivers who use this insurance are much greater.
Convictions Requiring Fr 44 Insurance
In most states, the following convictions will require a driver to purchase FR44 Insurance:
- Driver Under the Influence (Drugs or Alcohol/Intoxicants)
- Driving While License is Suspended for Conviction
- Maiming While Under Influence of Drugs, Alcohol, or Intoxicants
- Violations Similar or Related to Above
While all of these are potentially problematic convictions, we believe that they should not stop an individual from driving or carrying on with their life, especially if their debt to society has been paid. Something important to keep in mind, however, is that FR 44 insurance is more expensive if you are required to carry the Fr 44 filing.
Your Search for Insurance
Finding regular insurance can be difficult enough but when you are searching for Fr44 insurance in Florida you will probably come to find that most companies do not offer it. It is high-risk coverage, and most do not want to deal with the payout. Our company, on the other hand, can get you a quote and get you back into the driver’s seat before you know it.
The Specifics of Fr 44 in South Florida
The general idea behind the Fr 44 filing is to ensure that any driver convicted of a DUI will be carrying insurance with liability limits of 100/300/50. In essence, this is designed to protect the public in the event something goes wrong with the driver in question and they hurt someone in an automobile accident. In other words, the state of Florida recognizes that you need driving privileges to operate in society but they do not entirely trust you.
Because Fr 44 insurance is so expensive the first question people ask, is how long they actually need to carry it. Normally, FR44 will be required for at least a period of three years, but the actual length will be determined by the state. Following your DUI conviction, you will be notified by the State as to how long you will need to carry the coverage.
The Price of Fr44 Insurance
We have mentioned consistently that it is an expensive insurance package we have not get covered the actual price. The problem is that we cannot give you an actual number as the estimate you receive from us will take several factors into consideration which include:
- Location (State that you Reside In)
- Driving Record
- Claims History
All of this information will be collected when you fill out the online form and request your quote. It will be costly either way, but there are certainly factors that can help you.
As a last point on the cost we would like to point out that in the state of Florida, you cannot pay for these insurance plans under a monthly installment except in limited circumstances. You will need to pay upfront for six months of insurance at a time which can be inconvenient, but it does ensure your continued participation in the plan.
Non-Vehicle Owners and Commercial Plans
A Fr44 policy can be obtained by non-vehicle owners, and we can provide more information about that after you apply for your quote. Finally, make sure you ask us about our commercial plans and what they can do for you in your professional life.
The right plan is out there for you, even if you have been convicted of a DUI. Ask us for more information and to get your life on the road back in order.