SEMINOLE COUNTY DUI ATTORNEY
FACING SERIOUS DUI CHARGES IN
SEMINOLE COUNTY
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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