Global Courant
Florida DUI insurance is an auto insurance policy that meets certain coverage and procedure requirements as dictated by law. These regulations must be met and enforced for DUI drivers to maintain a valid Florida license. Increased limits, reporting compliance and a $15.00 fee are required. These additions to auto insurance are similar requirements that other high-risk drivers experience. Unique to Florida DUI insurance are the high liability limits of 100/300/50; ten times the required financial responsibility for drivers without DUI.
The FR44 (Uniform Financial Responsibility Certificate) application is the method used to verify insurance compliance for convicted DUI drivers. The certificate (form) is filed (submitted) electronically by the insurance company with the Florida Bureau of Financial Responsibility after purchasing the policy. This process is the final step in getting back a valid Florida license. First, a policy is purchased from a Florida authorized insurance company that secures the MVR’s financial responsibility case number. This is a tracking number assigned to each individual DUI driver. The driver’s license can be reinstated when the DMV database is updated, indicating compliance and eligibility. Some drivers have presented a printed copy of the FR44 certificate they received at the point of sale, to the right clerk at the RDW, and got their license reinstated immediately. Naturally, repair costs apply.
The compliance period is three years and insurance companies are required to notify the state if a policy is terminated for any reason. If the DUI driver does not replace coverage with a new qualifying policy, their license will be suspended. Recovery will only take place after the process has been repeated and additional increased recovery costs have been paid. The process is quick and easy, but coverage can be costly. Drivers who are not used to carrying high limits experience the biggest increase in their auto insurance premiums.
Policyholders who regularly maintain high limits (100/300/50 or higher) as required by a lease car may be excluded from the FR44 requirement, as long as this coverage was in effect at the time of the DUI citation. The FR44 policy imposes high limits of liability And additional stringent acceptance requirements. For example, as of May 4, 2012, all insurance policies with an FR44 filing in Florida may not be canceled, and insurance companies generally do not allow driver exclusions when there is a filing. Because of these restrictions, policyholders are forced to pay the full premium with no monthly payments, and cannot exclude a higher-rated driver, such as a teenager with a new license. Having the flexibility to make payments 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 the FR44 filing instead of SR22, the loss ratios of the FR44 group of policyholders have been very favorable to insurance companies. Lower claims payouts from lower loss ratios allow insurance companies to compete for FR44 policies with lower rates. Some companies still treat DUI drivers harshly by denying new applicants and not renewing current policyholders. If you find yourself in this situation, just shop around as there are plenty of companies vying for these policies.
Florida DUI insurance and FR44 filing process to restore license
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