If you have been convicted of certain driving offenses in Florida, you may be required to obtain FR 44 insurance. This type of insurance is mandated by the state to show that you have an adequate amount of liability coverage in case you cause an accident. In this article, we will discuss everything you need to know about FR 44 insurance in Florida.
What is FR 44 insurance?
FR 44 insurance is a type of insurance that is required by the state of Florida for drivers who have been convicted of certain driving offenses. This type of insurance is designed to provide a higher level of liability coverage than traditional car insurance policies.
FR 44 insurance is required for drivers who have been convicted of:
Minimum Insurance Coverage Required
$100,000 for injury/death of one person, $300,000 for injury/death of two or more persons, $50,000 for property damage
Driving with a suspended license
$300,000 for injury/death of one or more persons, $50,000 for property damage
If you are required to have FR 44 insurance, you must maintain it for at least three years from the date of your conviction.
How much does FR 44 insurance cost?
FR 44 insurance is typically more expensive than traditional car insurance policies. The cost of your FR 44 insurance will depend on a variety of factors, including:
- Your driving record
- Your age and gender
- The type of vehicle you drive
- The amount of coverage you need
On average, drivers in Florida can expect to pay anywhere from $1,500 to $2,500 per year for FR 44 insurance.
How do I obtain FR 44 insurance?
In order to obtain FR 44 insurance, you will need to contact an insurance company that is authorized to sell this type of insurance in Florida. Most major insurance companies offer FR 44 insurance, so you should be able to shop around for the best rates.
When you apply for FR 44 insurance, you will need to provide your insurance company with information about your driving history and your conviction. Your insurance company will use this information to determine your premium.
What happens if I don’t get FR 44 insurance?
If you are required to have FR 44 insurance and you do not obtain it, your driver’s license will be suspended. In order to have your license reinstated, you will need to obtain FR 44 insurance and provide proof of insurance to the Florida Department of Highway Safety and Motor Vehicles.
Can I get FR 44 insurance if I don’t own a car?
Yes, you can still obtain FR 44 insurance even if you do not own a car. You can purchase a non-owner policy that provides liability coverage in case you cause an accident while driving someone else’s car.
What if I move to another state?
If you move to another state, you may still be required to maintain FR 44 insurance if your conviction was related to a Florida driving offense. You will need to check with your new state’s Department of Motor Vehicles to determine if you need to maintain this type of insurance.
Can I cancel my FR 44 insurance?
No, you cannot cancel your FR 44 insurance until the three-year period is up. If you cancel your insurance before the three-year period is up, your driver’s license will be suspended.
What happens if I cause an accident while I have FR 44 insurance?
If you cause an accident while you have FR 44 insurance, your insurance company will pay out any claims up to the policy limits. However, if the damages or injuries exceed your policy limits, you will be responsible for paying the difference out of pocket.
FR 44 insurance can be a costly requirement, but it is essential if you have been convicted of certain driving offenses in Florida. Make sure to shop around for the best rates and maintain your insurance for the required three-year period to avoid any penalties or license suspensions.