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Attention !! Florida FR44 Insurance For DUI Drivers Now Requires a Non Cancellable Policy
As of May 4th 2012, Florida car insurance policies with FR44 filing may not be cancelled by the insured or
company after 30 days. The initial 30 day period is to allow the insurance company to complete its underwriting.
After the company determines the risk eligible, according to its rules and guidelines, the non cancellable provision
becomes effective. At this time, the company will notify the DMV and the DUI driver can reinstate their license.
From now on, most companies will only offer a paid in full bill plan for such policies. It's very important to shop
around because some companies will still offer a payment plan, although they might be soon to follow. Also, with
any of the companies requiring the policy to be paid in full, the coverage on the policy cannot be changed during
the policy period and the premium is non refundable. Any changes to the risk will require a new policy to be
purchased and paid in full. If the new policy is from the same company, then they may apply a credit from the old
policy to the new one.
This action will ensure that a DUI driver will have continuous FR44 insurance with 100/300/50 liability in effect, for
at least 6 months, after they reinstate their license. Having the proper insurance is good for everyone concerned,
however, having to pay for it all at once will be unaffordable for some, leaving them without. Their license will
remain suspended and any driving they may do invites additional harsh consequences.
With some companies, even divers who have had a Florida DUI insurance policy continuously in force without any
lapse and paid monthly, must pay their renewal in full. The new mandate is very unfair to all these policyholders
and many of them will simply be unable to pay. This will cause their license to be suspended and subject to
additional reinstatement fees when they are finally able to afford a paid in full policy.
We condemn drinking and driving of any kind and always have. However, we also recognize that it takes very little
alcohol to breach the threshold for conviction and law enforcement is very rigorous. Many convicted drivers did
not realize they were over the limit when they were pulled over for something entirely unrelated or came upon a
routine check point. This mistake can happen once to just about anyone. “Anyone can easily make this mistake”
has been a mantra of our agency.
With low loss ratios and cancellations, Florida FR44 insurance policies are profitable for companies and many are
competing for this business with sensible rates. The new rule will make the policies even more attractive for
insurance companies which will have a price reducing effect for consumers. In the meantime however, it simply
means the policyholder will have to “come up with the cash” for a paid in full policy with some companies to keep
their license active. Some drivers who are unable to pay will inevitably drive without car insurance, making the
mandate counterproductive in this circumstance.
Most people agree that driving while intoxicated is dangerous and should be dealt with aggressively to reduce the
number of incidences. I do not believe this aggressive action will have much of an effect at reducing the number of
DUI drivers, and may increase the number that drive without insurance. Punishing policyholders who have been
compliant by maintaining their insurance and FR44 filing in good standing, and forcing them to pay for their
renewal premium in full, seems unjust to me. I believe “Anyone can easily make this mistake and most learn their
lesson the first time.” Targeting repeat offenders and those that do not maintain their required insurance would be
a better approach.
As of May 4th 2012, Florida car insurance policies with FR44 filing may not be cancelled by the insured or
company after 30 days. The initial 30 day period is to allow the insurance company to complete its underwriting.
After the company determines the risk eligible, according to its rules and guidelines, the non cancellable provision
becomes effective. At this time, the company will notify the DMV and the DUI driver can reinstate their license.
From now on, most companies will only offer a paid in full bill plan for such policies. It's very important to shop
around because some companies will still offer a payment plan, although they might be soon to follow. Also, with
any of the companies requiring the policy to be paid in full, the coverage on the policy cannot be changed during
the policy period and the premium is non refundable. Any changes to the risk will require a new policy to be
purchased and paid in full. If the new policy is from the same company, then they may apply a credit from the old
policy to the new one.
This action will ensure that a DUI driver will have continuous FR44 insurance with 100/300/50 liability in effect, for
at least 6 months, after they reinstate their license. Having the proper insurance is good for everyone concerned,
however, having to pay for it all at once will be unaffordable for some, leaving them without. Their license will
remain suspended and any driving they may do invites additional harsh consequences.
With some companies, even divers who have had a Florida DUI insurance policy continuously in force without any
lapse and paid monthly, must pay their renewal in full. The new mandate is very unfair to all these policyholders
and many of them will simply be unable to pay. This will cause their license to be suspended and subject to
additional reinstatement fees when they are finally able to afford a paid in full policy.
We condemn drinking and driving of any kind and always have. However, we also recognize that it takes very little
alcohol to breach the threshold for conviction and law enforcement is very rigorous. Many convicted drivers did
not realize they were over the limit when they were pulled over for something entirely unrelated or came upon a
routine check point. This mistake can happen once to just about anyone. “Anyone can easily make this mistake”
has been a mantra of our agency.
With low loss ratios and cancellations, Florida FR44 insurance policies are profitable for companies and many are
competing for this business with sensible rates. The new rule will make the policies even more attractive for
insurance companies which will have a price reducing effect for consumers. In the meantime however, it simply
means the policyholder will have to “come up with the cash” for a paid in full policy with some companies to keep
their license active. Some drivers who are unable to pay will inevitably drive without car insurance, making the
mandate counterproductive in this circumstance.
Most people agree that driving while intoxicated is dangerous and should be dealt with aggressively to reduce the
number of incidences. I do not believe this aggressive action will have much of an effect at reducing the number of
DUI drivers, and may increase the number that drive without insurance. Punishing policyholders who have been
compliant by maintaining their insurance and FR44 filing in good standing, and forcing them to pay for their
renewal premium in full, seems unjust to me. I believe “Anyone can easily make this mistake and most learn their
lesson the first time.” Targeting repeat offenders and those that do not maintain their required insurance would be
a better approach.
_______________________________________________________________________________________________
Car Insurance With SR22 or FR44 After DWI or DUI to Regain License
The process of acquiring insurance with an FR44 or SR22 after a DUI or DWI is very similar.
However, it is very important to know the differences between these types of policies in order to
properly reinstate your license, and save money.
Car Insurance With DUI for Convicted Drivers
There is not much of difference between auto insurance before and after a conviction.
The main differences are the mandated increase in coverage, and the difference in premium.
How Much Will Car Insurance Go Up With a DUI?
The increase in premium after a DUI / DWI varies from person to person. There are many different
variables that insurance companies use to determine rates for DUI drivers. However, employing a good
strategy when shopping for insurance after a DUI / DWI will save you money.
Florida DUI Insurance and FR44 Filing Process to Reinstate License
Obtaining Florida FR44 insurance and the associated filing is necessary to reinstate your drivers license
after a DUI conviction. The FR44 can be filed electronically with the State by the insurance company
and the process is quite easy.
FR44 Florida Auto Insurance Facts For DUI Drivers
It takes so little alcohol to be considered over the legal limit that a DUI can easily happen to anybody.
Drivers convicted of a DUI in Florida are required to purchase an insurance policy with an FR44 filing
in order to reinstate and maintain a valid driver's license.
Florida FR-44 Insurance Filing Fee and Other Related Costs
Increased coverage, point surcharge, rate tier assessment, and filing fee all come together to increase
the policy premium (price) for drivers requiring an FR44. It's important to know the facts and shop around.
A well informed consumer will save money in the long run.
FR44 Auto Insurance Filing For DUI Drivers in FL and VA is Fast and Efficient With the Right Company
Receiving a DUI and the steps to reinstatement can be long and arduous. From arrests, to classes, fees,
and interlock devices, getting a DUI can be a real hassle. Drivers convicted of a DUI are required
to obtain FR44 auto insurance to reinstate their license. This step, however, does not have to be a hassle.
Shop around with reputable companies that file the FR44 form electronically with the State. This will
help you save time and heartache.
Florida Drivers Convicted of DUI Must Submit Form FR-44 to the Bureau of Financial Responsibility
Starting October of 2007, Florida drivers convicted of a DUI must purchase an insurance policy with an
FR44 filing. The FR44 form serves as proof to the State that the insured carries the required bodily
injury liability limits. The FR44 form replaced the SR22 form formerly used for DUI drivers.
The process of acquiring insurance with an FR44 or SR22 after a DUI or DWI is very similar.
However, it is very important to know the differences between these types of policies in order to
properly reinstate your license, and save money.
Car Insurance With DUI for Convicted Drivers
There is not much of difference between auto insurance before and after a conviction.
The main differences are the mandated increase in coverage, and the difference in premium.
How Much Will Car Insurance Go Up With a DUI?
The increase in premium after a DUI / DWI varies from person to person. There are many different
variables that insurance companies use to determine rates for DUI drivers. However, employing a good
strategy when shopping for insurance after a DUI / DWI will save you money.
Florida DUI Insurance and FR44 Filing Process to Reinstate License
Obtaining Florida FR44 insurance and the associated filing is necessary to reinstate your drivers license
after a DUI conviction. The FR44 can be filed electronically with the State by the insurance company
and the process is quite easy.
FR44 Florida Auto Insurance Facts For DUI Drivers
It takes so little alcohol to be considered over the legal limit that a DUI can easily happen to anybody.
Drivers convicted of a DUI in Florida are required to purchase an insurance policy with an FR44 filing
in order to reinstate and maintain a valid driver's license.
Florida FR-44 Insurance Filing Fee and Other Related Costs
Increased coverage, point surcharge, rate tier assessment, and filing fee all come together to increase
the policy premium (price) for drivers requiring an FR44. It's important to know the facts and shop around.
A well informed consumer will save money in the long run.
FR44 Auto Insurance Filing For DUI Drivers in FL and VA is Fast and Efficient With the Right Company
Receiving a DUI and the steps to reinstatement can be long and arduous. From arrests, to classes, fees,
and interlock devices, getting a DUI can be a real hassle. Drivers convicted of a DUI are required
to obtain FR44 auto insurance to reinstate their license. This step, however, does not have to be a hassle.
Shop around with reputable companies that file the FR44 form electronically with the State. This will
help you save time and heartache.
Florida Drivers Convicted of DUI Must Submit Form FR-44 to the Bureau of Financial Responsibility
Starting October of 2007, Florida drivers convicted of a DUI must purchase an insurance policy with an
FR44 filing. The FR44 form serves as proof to the State that the insured carries the required bodily
injury liability limits. The FR44 form replaced the SR22 form formerly used for DUI drivers.
Saving Money, Minimum Requirements, and License Reinstatement Article Links...
written by expert Ezine author: Clifford Schimek
written by expert Ezine author: Clifford Schimek