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Florida DUI insurance is car insurance that meets certain coverage and procedural requirements set forth by law. This regulation must be satisfied and maintained for DUI drivers to have a valid Florida license. Enhanced limits, mandatory reporting compliance and a $15.00 fee. These additional requirements in a car insurance policy are the same requirements other high risk drivers experience. Unique to Florida DUI insurance policies is the high liability limit of 100/300/50; Ten times the financial responsibility requirement for drivers without DUIs.
FR44 filing (Uniform Financial Responsibility Certificate) is the method used to verify insurance compliance for convicted DUI drivers. The certificate (form) is filed (submitted) electronically by the insurance company to the Florida Bureau of Financial Responsibility after policy purchase. This process is the final step in getting a valid Florida license back. First a policy is purchased from a Florida licensed insurance company that secures the financial responsibility case number from the MVR. This is a tracking number assigned to each individual DUI driver. A driver’s license can be reinstated if the DMV database is updated to indicate your compliance and eligibility. Some drivers have submitted a hard copy of the FR44 certificate which they received at the time of sale, to the clerk on the right at the DMV, And his license was immediately reinstated. Naturally, a restoration fee will apply.
The compliance period is for three years and insurance companies are required to notify the state if the policy is terminated for any reason. If the DUI driver does not replace the coverage with a new eligible policy, their license will be suspended. Restoration takes place only after the process is repeated and an additional advanced restoration fee is paid. The process is quick and easy, but coverage can be costly. Drivers who are not used to carrying higher limits experience the biggest increase in their car insurance premiums.
Policyholders who regularly maintain higher limits (100/300/50 or more), such as those required on account of a leased vehicle, may be excluded from the FR44 requirement, As long as this coverage was in effect at the time of the DUI citation. FR44 policy imposes higher liability limit And Additional strict underwriting requirements. For example, not all insurance policies with a Florida FR44 filing are allowed to be canceled as of May 4, 2012, and insurance companies generally will not allow driver exclusions when the filing occurs. Because of these restrictions, policyholders are forced to pay the entire premium without monthly payments, and will not be able to take out a higher class driver, such as a newly licensed teen. Having the flexibility to pay and exclude drivers is an advantage for any policyholder.
Interestingly, since 2007 when Florida separated DUI drivers from all other high-risk drivers by mandating FR44 filing instead of SR22, loss ratios from the FR44 group of policyholders have been very favorable to insurance companies. . Paying fewer claims than a lower loss ratio enables insurance companies to compete for FR44 policies with lower rates. Some companies still treat DUI drivers harshly by turning down new applicants and not renewing current policyholders. If you find yourself in this situation just shop around as there are a lot of companies competing for these policies.
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