FR44 Insurance in Florida: Smart Tips and Helpful Hints
It’s only been since 2008 that Florida requires FR44 insurance for its DUI drivers. Many agents and most consumers are unfamiliar with this type of policy. The information here is not very well known and is invaluable to convicted drivers. Securing a lower cost policy and reinstating your license quickly is not a problem when you have the correct information.
Many companies want these fonts. As a risk group, Florida DUI drivers have recently proven especially profitable for insurance companies. This new realization occurs due to the ease of identification and assignment of unique results for DUI drivers because they are the only ones who require FR44 insurance. Before 2008, DUI drivers were included with all other high-risk drivers and required Florida SR22 insurance.
State requirements for FR44 insurance policies, such as high liability limits, no-cancellation provision, and others, are such that they help make them profitable for businesses. Therefore, a good number of them are competing with FR44 insurance quotes that have low rates and good terms.
Companies include discounts on key policies. Auto insurance policies include substantial discounts for high liability limits, prepayment, and prior coverage. Although a DUI driver is required to make these options through Florida FR44 insurance, the associated policy discounts apply. Companies simply do not distinguish between drivers who voluntarily choose these options and those who are forced to do so. Get all the discounts to achieve the lowest rate available and let go of the notion that you don’t qualify for any due to a DUI on your record. Policyholders are often surprised and relieved at how affordable FR44 insurance is after discounts are applied.
Several types of policies qualify for FR44 filing. A standard auto insurance policy, a non-owned vehicle policy, and a recreational vehicle policy are the main types that a Florida FR44 application may include. Vehicles with less than four wheels are not required to have $ 10,000 of personal injury protection coverage (PIP insurance) included in their policy, which is required for all cars and trucks in Florida, and is very expensive. A non-owned vehicle policy also excludes PIP. Rates vary widely between policy types, and many consider swapping or skipping their vehicle, especially to take advantage of not having to buy expensive PIP coverage. You can receive a quote while driving any type of vehicle. You can meet Florida FR44 insurance requirements on any type of vehicle, or without one at all.The State no longer accepts the presentation of fonts that have vehicles with less than four wheels.
Watch out for the DMV and Online driver’s license verification. Before you can reinstate your license at the DMV, the insurance company must electronically transmit the FR44 submission to the Florida Office of Financial Responsibility and the processing takes approximately 48 hours. Some drivers have submitted a hard copy of the FR44 certificate, to the correct clerk at the DMVand they reinstated their license immediately. It is not uncommon for multiple employees at the same DMV location to handle the FR44 reinstatement differently. Although they are no longer supposed to be accepted in person, you may be lucky and get your license too.
Florida Driver License Online Verification (https://services.flhsmv.gov/DLCheck/) is the place many go to retrieve their FR44 case number to submit with the insurance application. Once your FR44 has been filed and your license has been reinstated, if you subsequently check its status online, it will show as valid with no restrictions or suspensions listed. It is easy to see why many policyholders have prematurely removed the FR44 application from their policy and have been subjected to a new suspension and reinstatement fee. When the submission period expires within 60 days or less, the policyholder can submit proof of the qualified convergences and limits on the company letterhead and replace it with the FR44 certificate.
Expect more from your agent and your company. Some companies do not offer new policies with the FR44 filing, and others cancel existing policyholders who need it. This doesn’t make any sense due to the profitable results businesses enjoy with FR44 fonts. However, don’t be surprised or discouraged if you receive a cancellation or non-renewal notice from your current business after receiving a DUI. You can find a reasonable rate and get back on the road with a valid license quickly, as long as you have all the correct information. With such knowledge, you will have no trouble finding the right type of policy, from a company that you can pay for and that you can trust.