What is the Insurance Consequence of a DUI Conviction?
FR-44 insurance is generally only required if you’ve been found guilty of driving under the influence (a DUI) because you are considered a higher risk driver. FR-44 insurance is sometimes referred to as “DUI insurance.” DUI convictions are considered quite serious, and the liability insurance requirements for FR-44 insurance are significantly greater. In addition to PIP (personal injury protection) coverage, you’ll need to have a policy with liability limits of at least:
- $100,000 of bodily injury liability coverage per person injured in an accident
- $300,000 of bodily injury liability coverage per accident
- $50,000 of property damage liability coverage per accident
The amount of time you’ll need to carry FR-44 insurance will vary depending upon your particular situation, so it’s good to confirm, but the filing is generally required for three years from the date of your conviction. And, unlike SR-22 insurance, you’ll need to have the FR-44 form in place for three consecutive years with no lapses in coverage. Otherwise, your license will no longer be reinstated, and you will need to start the three-year period over again.
Florida has strict requirements for drivers regarding paying for FR-44 insurance. Unlike other insurance, you can not make monthly payments for a FR-44 policy. Instead, you’ll generally need to pay premiums for at least six months at a time, though this requirement may be relaxed upon renewal.