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FR-44 Requirements in Orange Park, FL

FR-44 insurance is a certificate of financial responsibility required by Florida for drivers who have been convicted of certain serious offenses, such as driving under the influence (DUI). This requirement is more stringent than the SR-22, as it mandates higher liability limits.

If you receive notice that you must file FR-44, doing so may be a condition of license reinstatement, so it’s crucial to act quickly.

Why Is FR-44 Required? Man driving car with passenger at sunset, capturing warm sunlit atmosphere.

The state of Florida mandates FR-44 filing to ensure that high-risk drivers have sufficient coverage to protect other road users in the event of an accident. This requirement helps mitigate the financial impact of accidents caused by drivers with a history of serious violations.

How to Obtain FR-44-compliant Insurance

Purchasing FR-44-compliant insurance involves a few steps, and it’s important to work with an insurance provider experienced with FR-44 filing.

  • Contact an insurer. Your agent can help identify and contact insurers that offer FR-44-compliant policies and request quotes.
  • Provide necessary information. Be prepared to provide details about your driving history and the specific requirements of your FR-44 filing.
  • File the FR-44 form. Once you purchase the policy, your insurer files the FR-44 form with the state on your behalf. You may have to pay a filing fee.

Costs and Considerations

FR-44-compliant insurance is typically more expensive than standard auto insurance due to the higher liability limits and the increased risk associated with high-risk drivers. However, there are ways to manage these costs. Your agent can help you compare quotes from Florida insurers offering FR-44-compliant policies.

Contact Us

Contact Insure All Associates, Inc. for a personalized auto insurance quote. Our agents can help you shop for appropriate auto insurance coverage after a DUI conviction or other serious violations.

 

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