FR44 Insurance in Florida
If you’re convicted of a DUI or DWI in Florida, you’ll need an FR44 to reinstate your license and prove you’ve bought enough car insurance. If you don’t get an FR44, you could lose your driving privileges.
Some other reasons you might be required to have an FR44 in Florida include:
- Driving with a suspended or revoked license for the third time.
- A hit-and-run.
- Vehicular manslaughter.
- Fleeing from a police officer after being caught for a traffic violation.
In addition to Florida’s minimum requirement of $10,000 of personal injury protection, or PIP, drivers with an FR44 requirement must buy liability insurance with these minimum limits, sometimes abbreviated as 100/300/50:
- $100,000 bodily injury liability coverage per person.
- $300,000 bodily injury liability coverage per accident.
- $50,000 property damage liability coverage per accident.
Although these liability coverage amounts are typical for many standard auto insurance policies, they are much higher than Florida’s minimum requirements of $10,000 for property damage liability per accident and $10,000 for personal injury protection.
The insurance required by an FR44 form won’t pay to fix your car after a wreck. Liability insurance pays only other people’s expenses if you cause an accident that results in an injury or damaged property, and personal injury protection pays for injuries resulting from a covered incident, regardless of fault.
