Florida Auto Insurance
If you are registering a vehicle with four wheels or more, it must be insured by a company licensed by the Florida Department of Insurance. Failure to maintain insurance on vehicles can lead to having driving privileges suspended and/or having a car's tags and registration suspended up to three years or until proof of a valid Florida automobile policy is presented. Additionally, one may be fined anywhere from $150 up to $500.
Florida's state laws requires that motorists maintain at least the following minimum coverage:
- $10,000 Personal Injury Protection. (PIP)
- $10,000 Property Damage Liability (PDL)
- You may be required to purchase Bodily Injury Liability (BIL) if you have been involved in a crash, or have been convicted of a certain offense.
Keep in mind that this coverage does not include compensation for the insured's vehicle in case of an at-fault accident.
Personal Injury Protection (PIP)
- Compensates a loss due to injury regardless of fault.
- Applies to bodily injury to the insured and relatives residing in the same household and passengers who are not required to have Personal Injury Protection.
- Protects the policyholder if you are injured as a pedestrian or bicyclist as long as the injury is caused by an accident with an automobile.
Bodily Injury Liability (BIL)
- Pays for serious and permanent injury or death to others when the insured causes a crash involving their automobile.
- Pays for injuries up to the limits of the policy and provides legal representation in the case of a lawsuit.
- Pays for injuries caused by policyholder or family members residing in their household.
- May provide coverage for others who drive the insured's vehicle with permission.
Property Damage Liability (PDL)
- Pays for damages that the policyholder or members of their family residing in the same household caused to other people's property in an automobile accident.
What is a SR22?
An SR-22 Filing is a document or electronic certification issued by an auto insurance company that verifies to the state that you have an auto insurance policy with the state minimum liability limits. If you are required to maintain this filing, you will be notified by the state.
An SR-22 is a financial responsibility certification that is sometimes required for high risk auto insurance customers by the state Department of Motor Vehicles or Public Safety after you have been involved in an accident with no auto insurance, or if an accident is due to excessive driving violations on your part.
How long are SR-22 Filings Required?
This can vary by state and by severity of the offense. The typical requirement is three years. If you cancel your policy prior to the termination date, the Insurance Company is obligated to file an SR-26 notifying the state that you no longer have insurance.
SR-22 Filings from Florida Auto Insurance
We provide SR-22 Filings in most states. Simply indicate that an SR-22 Filing is needed while getting your free quote. The SR-22 insurance form will be included with your policy documents after you have applied for and purchased your auto insurance policy online. You can literally have your SR-22 form in a matter of minutes.
What is an FR44?
In some states, such as Virginia and Florida, an FR-44 Filing may be required when you have a DUI/DWI/OVWI or other alcohol related violation. An FR44 filing is similar in theory to an SR 22, except that it may indicate that you maintain more than just the minimum amount of coverage required by the state requesting it.
What information do I need?
In many situations you may receive a case number. Please make sure to provide us with your case number so that we can have the FR44 form issued correctly. If you have your DUI / DWI conviction date available, that would be helpful as well.
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, we can often provide you with a new temporary ID card and FR44 in the same day.
How long do I need to keep an FR44 Filing?
As long as your insurance policy is in force (active), your FR44 should remain valid. If your policy should be cancelled at any point while you are required to have an FR44 on file, your insurance company will notify the appropriate authorities. If you fail to maintain the appropriate filing, you driving privileges may be suspended. It is very important to keep the proper filings in place. Rules may vary by state.
Florida FR44
In February 2008, the FR-44 became a requirement, even for those convicted of a DUI prior to that date. Until October first 2007, these individuals were able to maintain an SR-22 with low limits of 10/20/10. Today, these drivers are required to maintain higher limits.
The new limits required to obtain an FR44 Filing are 100/300/50. Our agents can easily help you compare the rates with these limits when you request a Florida FR44 Quote.
