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Liability insurance with high coverage is required of all drivers who have been convicted of DUI in order to reinstate their driver's license. This applies even to those who do not own a car.

The terms "FR44 insurance" or "DUI insurance" are used by the general public, but are not official types of insurance. If you have been convicted of driving under the influence in Florida, you will be required to carry additional minimum coverages and file a FR44 with the state. The FR44 is a Certificate of Financial Responsibility, which is a form from your insurance company that confirms that your insurance policy meets the required minimum coverages for a driver with a DUI conviction.

You must carry higher bodily injury liability limits and higher property damage coverage because you are now considered "high risk." This higher coverage is generally required for 3 years after a DUI conviction and may be required in order to reinstate your driver's license.

FR44 Insurance is a three-year DUI insurance coverage meant to address a higher liability limit as mandated by Florida legislature.
Typical required coverages are:
  • Bodily injury liability / each person: $100,000
  • Bodily injury liability / each accident: $300,000
  • Property Damage: $50,000
The increased coverage level, along with the DUI on your record, can cause steep increases in any existing auto policy. FR44 compliant policies usually require advance payment in full because they cannot be cancelled after a 30 day underwriting period. Some drivers choose to adopt transportation other than an automobile in order to reduce the cost of carrying a DUI insurance policy. Policies for motorcycles or non-owners policies do not require PIP and can be much less expensive.

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The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship.