What is an FR-44 insurance in St. Petersburg Florida  How long do I actually need an FR44 in Florida? These are a selection of the questions we try to answer in explaining the FR44 form for Florida and Virginia.

The 2 distinguishing features of St. Petersburg Florida FR44 car insurance are its higher responsibility limits and its exclusivity for DWI / DUI drivers. Currently only Florida and Virginia are using this format in their latest attempts to curb drinking and driving. Other states do not draw a difference between high-risk driver groups, when it comes to insurance, and mandate SR22 car insurance for all of them. It’s a program that enjoys far-ranging support there, and will likely be adopted by other states. Insured company info required is name, NAIC code, policy number, FR44 case number, and certification effective date.

FR44 Insurance St. Petersburg FLFR44 form completion ; Insured person information needed is name, address, driver license number, and birth date. An owner’s policy with year, make model and VIN of all cars registered and insured. Further info indicates which kind of two policies is selected. Authorized representative signature and date prepared completes form FR44. Or an operator’s policy pertinent to any auto not registered or titled to the listed person.

The actual name of the form is the Florida Uniform Financial Responsibility Certificate FR-44. There are no driving restrictions associated with the FR44 filing in St. Petersburg Florida. Compliance period is for three years. FR44 filing must be on a Florida auto insurance policy. Non compliance leads to license and car registration suspension.

Fr-44 forms are submitted to Florida’s Bureau of Financial Responsibility by insurance firms on behalf of the client. There cannot be more than one FR44 or an FR44 and SR22 on the same driver. Insurance companies are required to alert the Bureau of Fiscal Responsibly of cancellation of insurance by submitting form Fr-46 to the bureau. Failing to maintain the Fr-44 obligation will result in driver’s license and vehicle registration suspensions.

Car insurance policies from wherever you live with either a DUI, DWI, FR44 or an SR22 are all awfully similar. Remember requirements frequently change for convicted drivers. Nevertheless the differences are urgent in getting you license reinstated and how much you pay. The same agent can begin the process by completing, binding, and submitting an application to the insurance company. A well informed independent insurance agent approved in your state can explain the exact needs needed and how much it will cost. The SR22 or FR44 Form is usually generated at point of sale and either submitted electronically as in Florida or a copy given to the applicant to present to the DMV as in Texas to expedite filing and license reinstatement.

Now that we understand what each kind of form is and the requirements each possess let’s look at which one you need if you are found guilty as charged of a DUI in St. Petersburg Florida. Basically if you’ve been convicted of a DUI after such stated date you’re going to need to file an FR-44 Form rather than an SR-22. Effective Oct 1st, 2007 Florida Ordinances increased the required liability insurance for bodily injury in those circumstances where a person has been found guilty as charged of driving under the influence. The sole difference between the two forms is if you were found guilty of a DUI in the state of Florida it now needs higher responsibility limits on your vehicle policy.

To find the cheapest FR44 insurance in St. Petersburg Florida look around and use our free quoting service. If you just need Florida SR-22 insurance commence with our other site devoted to SR-22 insurance.

 

Minimum Required Insurance Coverage in Florida

Bodily Injury Liability: $10,000/$20,000 Limit
Property Damage Liability: $10,000 Limit

Florida SR22 Insurance Resources Websites:

Florida Department of Insurance
Florida Department of Transportation
Florida Department Of Public Safety
The Official State of Florida website
The Florida Highway Patrol

 

photo credit: Wiki Commons

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Filed under: Cheapest DUI – DWI

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