FR44 Insurance in Florida: Frequently Asked Questions And Detailed Answers

When did the filing of the Florida FR44 insurance form become effective? What are the prerequisites for one? What kinds of policies count as compliant?

Since October 1, 2007, a person convicted of DUI in Florida must have higher limits of auto accident liability insurance. The minimum limits for Bodily Injury Liability are $100,000 per person, $300,000 per accident, and $50,000 for Property Damage Liability. A combined limit of $300,000 is allowed as well. The liability must be covered by an insurance issued in Florida. This may be an auto insurance policy or an operator’s policy if no vehicle is being insured. A policy that covers a vehicle with fewer than four wheels is ineligible since it does not offer Personal Injury Protection coverage (PIP).

As a policyholder or supplementary driver, the ability to comply with a number of policy types allows the convicted driver to obtain a suitable insurance. For instance, a young driver will typically find a reduced premium as an additional driver on his or her parents’ policy. In the past, insuring a scooter for as low as $100.00 for the entire year was a viable alternative. Unfortunately, Florida no longer permits this form of filing.

Do all Florida drivers with a DUI need FR44 insurance? What is the duration of the requirement?

To clear a FR44 DUI case number for license reinstatement, a driver receiving the infraction prior to November 1, 2014 must provide proof that increased vehicle liability insurance in the amount of 100/300/50k was in effect at the time of the offense date, or they must purchase a three-year FR44 policy. After November 1, 2014, all drivers convicted of DUI will be forced to purchase and maintain a non-cancellable FR44 insurance for three years from the date of DUI reinstatement.

When may my license be reinstated after purchasing a policy? How does the Florida DMV learn that my FR44 obligation has been met? Can the FR44 certificate be provided at the time of sale?

The corporation submits the FR44 form (certificate) to Florida’s Bureau of Financial Responsibility. As mandated by law, they are sent electronically within 15 days of the start date. Typically, companies communicate to the bureau at the point of sale, and the DMV database is updated within 24 to 48 hours to permit license reinstatement.

Some organizations generate a “hard copy” certificate at the time of sale, which can be paired with proof of insurance and faxed to a local DMV office with an identifying cover page from the agency or company. This is the quickest way to reinstate a driver’s license after a conviction.

Since firms electronically transmit the FR44 certificate to the State, a policyholder must make a particular request for one to be provided directly to them. It is normally typed, faxed, or emailed, and can take up to two hours to complete. If you are in a rush, find out whether a certificate is instantly available prior to making a purchase or even before requesting a rate quote.

How much does this item cost? What is the most affordable option? Exist in addition filing and reinstatement fees?

Everyone must pay a filing fee of $25. At the time of the DUI, drivers who did not have higher liability limits of 100/300/50k are forced to pay a reinstatement fee. However, the total cost is decided by a variety of factors that are unique to each individual, such as location, age, driving record, car type, etc. Typically, the least expensive way to obtain FR44 insurance is through an operator’s or non-coverage owner’s that excludes the vehicle. This sort of insurance is unavailable to drivers who have access to a vehicle or who need an ignition interlock device.

Can I cancel? Is the insurance provider permitted to cancel? Can I replace it with another order if I cancel?

Since May 4, 2012, policies with a Florida FR44 file may no longer be canceled. While determining eligibility, businesses may only cancel during the first 30 days. Obviously, there are many valid reasons to cancel an insurance, such as relocating to a different state, selling a vehicle, getting married, etc., and there is a mechanism to cancel these policies. An endorsement can be issued to remove the FR44 filing from an existing policy, and then the policy can be canceled. Remember that if the FR44 requirement is still in effect, the cancelled insurance policy must be replaced or the driver’s license will be suspended. When cancelling, you may be required to produce a recorded, sworn statement explaining the cause for your cancellation and how you intend to continue compliance. Obviously, after your compliance time finishes within the policy’s duration, all restrictions may be lifted.

Can a monthly payment plan be arranged? Does the State of Florida expect payment in full? Can I have many policies?

Because they cannot be canceled, businesses will require full payment. Unlike the cancellation clause, mandating full payment is not a statutory mandate. Companies typically do not provide payment plans because they are unable to terminate an insurance for nonpayment. However, there are a few that will provide payment plans under specified circumstances. Recently, one began providing payment arrangements for all of their renewing policies. Keep in mind that corporations offer a significant discount for full payment, and the FR44 rule does not abolish this reduction. There can be only one file per driver, but a driver can have many policies, which provides greater flexibility.

When will I no longer need to comply with FR44? How can I contact the Florida Department of Highway Safety and Motor Vehicles?

The best approach to determine this is to contact the Florida Department of Highway Safety and Motor Vehicles and inquire as to the exact date your need expires. I propose emailing them at in order to receive a written response. When you are within 60 days of the requirement’s expiration, you may carry the 100/300/50 liability without filing and still be considered compliant. This feature is especially useful when beginning a new policy, as payment plans, driver exclusions, and all other options can be selected.