Many drivers immediately think about the effect on their auto insurance after a ticket or accident. How much will my
insurance go up? Should I make a claim? In such predicaments a decision to pay the fine, go to court, or attend
traffic school is easy to make. By comparison, the dilemma of DUI in Florida is difficult, complicated, and expensive.
Insurance related questions always include; how do I reinstate my license and how much will it cost?

To reinstate your license, you must demonstrate proof of financial responsibility, to the Florida Bureau of Financial
Responsibility, with a Florida DUI insurance policy. After buying the correct type of policy, the company will
electronically submit proof to the bureau. The DMV database will be updated, usually within two business days,
indicating your eligibility for license reinstatement. This process is called FR44 Filing and it is straightforward, quick,
and has a $15.00 filing fee. The tough part is finding an affordable Florida DUI insurance quote with a payment plan.

Florida raises liability limit requirements for a convicted driver. This coverage is in addition to the
Florida No Fault
bare minimum of Personal Injury Protection (PIP) and Property Damage Liability (PD) required for all cars and
trucks. It is important to note that vehicles with less than four wheels are exempt from No-Fault. Satisfying Florida
DUI insurance requirements with Florida FR44 Filing by motorcycle insurance avoids the underwriting hassle and
inflated expense of PIP. Nevertheless, considering all types of coverage and their options is the best way to choose
your policy. Simply buying what is required often leaves drivers unprotected.

Minimum liability for drivers needing Florida DUI insurance are 100/300/50 split limits or 300,000 combined single
limit. These amounts are ten times the normal minimum requirement of 10/20/10 or 30,000. Although these limits
may seem like a bit much, it is for good reason. Statistically, people who have had a conviction are prone to receive
another, and accidents they cause tend to be more severe. Anyone can become a victim of an impaired driver, so
the elevated liability limits helps to protect everyone. Higher limits and costly coverage also serve as deterrents.

When shopping for Florida DUI insurance, or any type of policy anywhere, look at companies and agents licensed in
that state. Laws, rules, and regulations, are state specific and designed to protect policyholders, companies, and the
general public. The best place to find trusted information is directly from your state on their website. Keep in mind;
getting good value for a policy is much more than just finding the cheapest rate. Convicted drivers can get Florida
DUI insurance quotes in just minutes; however, making good choices takes more time.

Coverage available on any specific policy will have a variety of different features to mull over. Deductibles, limits,
and exclusions are the common ones. At a minimum every car and truck policyholder has
PIP options to consider.
No one wants to spend more money than they have to for a suitable policy. Always ask plenty of
questions when
getting a quote. Considering a policy carefully, like any other major purchase, makes good sense and will help to
reduce rates while keeping you protected.

Shopping for Florida DUI insurance can be like driving on an obstacle course at night with sunglasses on. It can be
pretty dark and bumpy when you find out
what is necessary for license reinstatement. You may have received a
cancellation or nonrenewal from your current company. At Florida Auto Plus Insurance we want to make your
experience easy and painless. A conviction on your MVR will obviously increase your rates. Just as obvious is the
fact you should not overpay. Drivers deserve excellent service from their agent and company no matter what
appears on their MVR.
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DUI Car Insurance For Convicted Drivers
DUI car insurance has different requirements, depending on where a policyholder lives, in order to satisfy
state compliance. Only qualified applicants will be issued a suitable policy. Each state legislature determines
the insurance requirements that need to be met for a policy to qualify for a convicted driver, and such a
policy is generally the last step before driving privileges are restored. Keep in mind that a qualified DUI
insurance policy may be a car insurance policy, motorcycle policy, or an operator's policy where there is no
vehicle to insure. A good shopping strategy will keep rates lower, especially where companies are competing
for this type of business such as right here in Florida.

FR44 Insurance in Florida: Common Questions With Complete Answers
Florida DUI insurance can be complicated and confusing for convicted drivers and insurance agents. Information
about what exactly is required and how to go about satisfying those requirements is revealed in this question and
answer format. After reading this article you will have a good idea as to how to proceed relative to your specific
situation. The information here is not the “end of the road” but will get you well on your way to securing an affordable
DUI insurance policy. If you are not finding the answers to your questions give us a call and we will answer them for
you personally.  

FR-44 Filing for all of Florida
Requirements, Costs, Form Completion, Submission, Miscellaneous Information.

FR44 Insurance in Florida: Smart Tips and Helpful Hints
Many agents and most consumers are unfamiliar with this policy type. Information on the topics listed here is not well-
known and is invaluable to convicted drivers; Many companies desire these polices, Companies include key policy
discounts, Several policy types qualify for FR44 filing, Beware the DMV and Driver License Check Online, Expect
more from your agent and company. Securing a lower cost policy and getting your license reinstated quickly is not a
problem when you have the right information.

Florida FR44 Insurance Filing Without a Car
Whether you received a DUI driving a car or motorcycle, operating a boat or jet ski, riding your bicycle, or even as a
passenger, the requirements to reinstate your license are going to include proof of liability insurance. For many
people a driver license is not just a privilege but a necessity, like those who need a valid license to keep their job.
Simply doing without insurance after a DUI is not a choice for them and a typical car insurance policy with FR44 may
be unaffordable. Thankfully they have alternatives for buying insurance without a car to file their FR44 and receive a
reinstated license.

Florida DUI Insurance: Raised Limits, Rate Hikes, Tough Choices
Many policyholders are shocked when they first find out just how impactful this citation can be on their policy. Some
simply cannot afford to continue with the same one after the adjustments and others will be cancelled by their
existing company. Different types of vehicles and policies are acceptable which makes for some tough choices.

Florida DUI Insurance and FR44 Filing Process to Reinstate License
This is the method used to verify compliance for convicted drivers. This process is the last step in getting back a
valid license. First a policy is purchased from a State authorized company which secures the Financial Responsibility
case number from the MVR. This is a tracking number assigned to each individual driver. The license can be
reinstated when the DMV database is refreshed indicating compliance and eligibility.

Florida FR44 Insurance Companies - Key Policy Discounts
When it comes to buying one of these policies it is not all bad news. For the longest of times companies have
extended significant discounts to policyholders that secure high limits, maintain continuous coverage and pay in full.
These key discounts are extended to convicted drivers even though they are compelled to choose these options.

How Much is DUI Insurance?
It is different for everyone. There are a wide variety of factors that go into the rate calculation of any policy. When it
comes to this type where you live matters most. The only way to find out exactly what it will cost is to do an actual
quote. A good shopping strategy can decrease and, in some cases, eliminate the increase from a citation and that is
the same for everyone.
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FR44 Related articles and websites
DUI Insurance Florida with FR44 Filing
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Links to detailed information:
Florida Auto Plus Insurance Agency
Family Owned For 20+ Years
(305) 278-1388
"Expect this from us when you call:
  • We take your phone call seriously.
  • Everyone is accepted and valued.
  • Top rated companies are utilized.
  • We are independent and authorized
  • Our focus is DUI Quotes & Policies
  • Clifford Schimek - Agent/Owner"
305 278 1388

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