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Florida Auto Plus Insurance Agency
(305) 278-1388
Family Owned For 20+ Years
In 2007 the Florida legislature enacted new rules and procedures for DUI drivers by implementing Florida FR44
insurance requirements exclusively for them. Previously, A Florida SR22 filing was required for these drivers, as is
the case in most states. Virginia is the only other state that currently utilizes this new procedure for their DUI drivers.
As of May 4th 2012, the legislature requires all policies with Florida FR44 insurance to be non cancellable.
Companies may only cancel during the first 30 days while determining eligibility according to its rules and guidelines.

The main difference between FR44 and SR22 insurance are the required limits of Bodily Injury Liability (BI) and
Property Damage liability (PD). The
SR22 in Florida requires a BI minimum of 10,000 per person and 20,000 per
accident and 10,000 PD. Florida FR44 insurance requires a BI minimum of 100,000 per person and 300,000 per
accident and 50,000 of PD. This represents a huge increase in coverage for a driver accustomed to the
minimum
required car insurance in Florida.

Anyone can easily make a mistake and receive a Florida DUI. Very little alcohol can breach the threshold for
conviction. At Florida Auto Plus Insurance we make every effort to serve you with dedication, honesty, and integrity.
This is what you deserve. Our commitment begins the moment we start your quote for FR44 auto insurance. It
continues throughout the life of your policy. In all of our actions, we strive for you to experience trust, compassion
and care. We hold ourselves and the companies we represent to the highest possible standard.

Remember that the incident which causes a filing does not stay with you forever. When you qualify for a better rate
we provide it. After all the expenses, community service, license suspension, etc… we’re happy to do our best to
make life a little easier. We’re not here to judge you.
We provide professional and courteous service to everyone
who seeks assistance with Florida FR44 insurance.


"Give us a call, we want to help you" - Andrew Schimek and Clifford Schimek

"Basic auto insurance policies in Florida are hard enough to understand as it is. When faced with having to attach
filings to your policy (Sr22 or Fr44 for DUI) this can be even more overwhelming. I have had many customers and
friends freak out and jump to conclusions based on misinformation and assumptions. Get the facts straight first.
The first thing I want to say is do not let insurance companies or agents view and judge you harshly after your DUI.
Too many customers have described horror stories. Keep in mind there are companies and agents competing for
this type of policy with low rates and excellent service so there is no need to stay with your existing carrier."
Andrew Schimek

"We have been specializing in Florida Fr44 insurance since 2009 and have successfully placed hundreds of satisfied
clients with a variety of insurance companies. There are many different underwriting rules specific to these policies
because of requirements imposed by the State. Many agents and companies know little of the facts so prospects and
policyholders are often ill advised. Gigi, Sherley, and Andy know the entire nuance to Florida Fr44 insurance quotes
and will get you the best deal possible. All of us appreciate the opportunity of working with DUI drivers to make their
life a little easier when it comes to insurance and we want to help you too. Whenever it is convenient please give us a
call; I know we can make things easier for you and save you some money in the process too."
Cliff Schimek


Hear about us from one of our most recent clients:

I just wanted to say, you and all the wonderful people at Florida Auto Plus Insurance are such a pleasure to work
with; efficient, organized and so helpful. I had a DUI in December, 2012. I received notification yesterday, Sept 23
that I was being non-renewed come December. I immediately got online and started requesting quotes. I was not sure
if I had to file an FR44.  Sherley said SHE would contact the DMV to find out. This was the first time (and I talked to
several) anyone had offered to
actually help me out. And this evening I spoke to Andrew (not sure If I got his name
right here), to give my payment information and he went over all my coverage's again with me and sent me the policy
and insurance cards. It is apparent that customer service is your top priority. I will be recommending you to family and
friends and I look forward to working with you for many, many years. You made me feel like I mattered, that I wasn't
just another statistic. I appreciate that more than you know.

Very Sincerely,

Shelly S.
Orlando FL


Florida FR44 related articles and websites

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 FR44 insurance for DUI drivers can be quite confusing for both policyholders and insurance agents. The
questions answered here will provide a comprehensive outlook on what is needed for license reinstatement. These
are the questions: What are the requirements that need to be met for a FR44 policy? How quickly can I reinstate my
license after I purchase a policy? How much will the FR44 insurance policy cost? Can I cancel my FR44 insurance
policy? Are companies offering a monthly payment plan for the FR44 insurance policy? How will I know when my
FR44 requirement is no longer needed?

Florida FR44 Insurance Filing Without a Car
A new policy does not necessarily mean a new car insurance policy. How much insurance goes up after a DUI
depends heavily on the type of policy purchased. 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.

Progressive Insurance Quotes Online by Authorized Agent
Buy Company Direct or via Authorized Agent? Rates vary, why pay more? Progressive insurance quotes online by
Florida Auto Plus Insurance, Authorized Progressive Agent can be lower or higher than quotes directly from the
company. Each rate quote is tailored to the specific risk and the only way to be sure of receiving the lowest rate is to
compare an authorized agent quote to one directly from the company. Florida FR44 insurance filing by Progressive
is available for motorcycles, and many other types of vehicles, not just cars or trucks.

FR44 Florida Auto Insurance Facts For DUI Drivers
This article was originally published on July 30, 2009 and has been updated a number of times since. It is a no
nonsense informative article explaining Fr44 requirements, policy types, different companies, what costs to expect,
what is needed to file, and other important miscellaneous facts. To date the article has been viewed over 3,500 times
and is routinely reproduced for other insurance related Websites.

FR44 Insurance in Florida: Smart Tips and Helpful Hints
Buying a policy and reinstating your license can be tricky. Many agents and companies are unfamiliar or uninterested
in selling policies to dui drivers. Conflicting information from different DMV clerks confuses many agents and
consumers. The information here is not well- known and is critical to those looking for a low cost policy to reinstate
their license quickly.

Florida FR44 Insurance Companies Include Key Policy Discounts
Prior coverage, high limits, and full payment are policy options proven profitable for car insurance companies, and
they include substantial discounts for these features. Even though a DUI driver is mandated to buy such a policy the
associated policy discounts are applied. With a little strategy and smart shopping many find out more coverage for
less money is possible.

Florida FR44 Insurance With a Motorcycle Policy is affordable and easy to obtain.
This makes license reinstatement a little less stressful for convicted drivers. A motorcycle policy can be an advantage
for drivers going through this experience. They are far less expensive and the underwriting less strict. For some
drivers this is the only way they can afford or qualify for a policy.

Florida DUI Insurance: Raised Limits, Rate Hikes, Tough Choices
Many companies will cancel or non-renew the current policy of a convicted driver. When policyholders search for a
replacement they frequently find agents without the necessary experience. If you are in the midst of such
circumstances avoid the common mistake of assuming no company or agent wants your business. Help is available
from certain companies, there are agents that specialize in this area, and both are not difficult to find.

FR44 Insurance for DUI and DWI Drivers is Sensible, Especially for Texas
Florida and Virginia are the two states that require FR44 insurance for DUI drivers, while maintaining SR22 insurance
for other high risk drivers. For a number of reasons It turns out that this type of policy is a benefit for everyone,
including the policyholder. All states have 0.08 blood alcohol percentage as their legal limit. Likewise, FR44 policies
for convicted drivers may soon become a standard for all states as well. Texas, as they are the state with the most
DWI drivers, would gain the most benefit from adopting this change.

FR44 Basic Information for DUI Drivers
If you made a mistake don’t feel bad because it happens all the time. Under the right circumstances just one drink
can cause an illegal blood alcohol level. Here are the facts about FR44 insurance for DUI drivers.

How Much is DUI Insurance?
The cost for car insurance after a DUI is an effective deterrent. Law enforcement vigorously seeks out violators.
Many unsuspecting and careful drivers are caught. Good companies, not all, are competing for these policies.
A complete strategy with tips for finding the lowest rate is provided here.

Car Insurance With DUI
Drivers are often treated like dangerous criminals when buying car insurance after DUI. This is an unnecessary
consequence as many other companies find this to be good business. Car insurance with DUI is the final step in a
series of mandates to be completed before a driver license is restored. Purchasing a policy can be surprisingly
pleasant compared to what most drivers expect when shopping for this type of policy.
Florida FR44 Insurance For DUI Drivers
Mercury  l  Progressive  l  GMAC  l  Infinity  l  Travelers  l  Foremost  
Florida Auto Insurance Glossary



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1 877.WIZ.AUTO (949-2886)
www.WizardInsurance.com
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Local map, directions, and reviews from Bing for Florida Auto Plus Insurance
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 FR44 Quotes & Policies
  • Clifford Schimek - Agent/Owner"
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1877-WIZ-AUTO (949-2886)
305-278-1388

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