If you’ve recently been told you need FR44 or FR-44 insurance in Florida, you’re probably asking the same questions we hear every week at Barefoot Insurance Brokers.
“What is FR44?”
“Why do I need it?”
“How can I get my license reinstated?”
The good news is you’re not alone.
What Is FR44 Insurance?
Despite the name, FR44 isn’t actually a type of insurance policy.
An FR44 is a certificate your insurance company files with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) showing that you carry the required liability insurance after certain DUI-related convictions.
Why Is FR44 Different?
Florida requires much higher liability limits for drivers who must carry an FR44 than for standard auto insurance policies. You typically need a $100,000/$300,000 split limit liability on your auto insurance in Florida to satisfy the FR-44 insurance requirement.
This added financial responsibility is one reason premiums may increase after a DUI conviction.
Can You Switch Insurance Companies?
Yes.
Many Florida drivers believe they’re stuck with their current insurance company after an FR44 requirement.
In many cases, you can compare other insurance options—as long as the required filing remains active without a lapse. You must carry the FR-44 insurance filing for 3 years in total once your license or driving privledge is reinstated.
How Long Will I Need FR44?
Most Florida drivers are required to maintain continuous FR44 coverage for several years.
Allowing your policy to lapse could result in additional penalties or another license suspension.
Barefoot Insurance Brokers Can Help
Every driver’s situation is different.
Whether you’re in Fort Lauderdale, Margate, Coral Springs, Pembroke Pines, Hollywood, Boca Raton, Titusville, Melbourne, Stuart, or anywhere else in Florida, Barefoot Insurance Brokers can help you review available FR44 insurance options and explain the filing process.
If you’ve been told you need FR44 insurance, our team is here to answer your questions and help you get back on the road.
About the Author
Alexandra “Allie” Horblitt is a Licensed Independent Insurance Agent with North Broward Insurance Solutions, Inc., bringing over 14 years of industry experience to her clients. She specializes in marine artisan insurance, workers’ compensation including USL&H, general liability, and commercial auto coverage. Allie is licensed to sell commercial insurance products in Alabama, Florida, Georgia, Colorado, Indiana, Ohio, Texas and Virginia. To connect with Allie for customized coverage solutions, email her at allie@northbrowardinsurance.com or call/text 786-440-8242.
👣 Go Barefoot All Year Long.