Did you know…..FR44 DUI Insurance is a three-year DUI and DWI insurance coverage meant to address a higher liability limit as mandated by the Florida legislature?
“Financial responsibility for bodily injury or death.—In addition to any other financial responsibility required by law, every owner or operator of a motor vehicle that is required to be registered in this state, or that is located within this state, and who, regardless of adjudication of guilt, has been found guilty of or entered a plea of guilty or nolo contendere to a charge of driving under the influence under s. 316.193 after October 1, 2007, shall, by one of the methods established in s. 324.031(1) or (2), establish and maintain the ability to respond in damages for liability on account of accidents arising out of the use of a motor vehicle in the amount of $100,000 because of bodily injury to, or death of, one person in any one crash and, subject to such limits for one person, in the amount of $300,000 because of bodily injury to, or death of, two or more persons in any one crash and in the amount of $50,000 because of property damage in any one crash. If the owner or operator chooses to establish and maintain such ability by furnishing a certificate of deposit pursuant to s. 324.031(2), such certificate of deposit must be at least $350,000. Such higher limits must be carried for a minimum period of 3 years. If the owner or operator has not been convicted of driving under the influence or a felony traffic offense for a period of 3 years from the date of reinstatement of driving privileges for a violation of s. 316.193, the owner or operator shall be exempt from this section.”
The FR-44 also provides proof of financial responsibility, but mandates that you carry higher liability limits. The FR-44 is used only in Florida and Virginia currently and is required instead of the SR-22 when you have been convicted of certain alcohol-related offenses.
In Florida, FR-44 requires bodily injury liability limits of $100,000 per person, $300,000 per accident and property damage liability limits of $50,000. This is written as 100/300/50.
To obtain an estimate for the price of insurance with an FR44 only takes a few moments. When you are ready to purchase your insurance, Absolute Insurance can often provide you with a new temporary ID card and FR44 DUI Insurance in the same day.