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SR-22 / FR-44

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Insurance Penalties: SR-22 and FR-44

In Florida, you may be required to purchase additional car insurance if you’ve been in a car accident or you’ve had certain traffic violation convictions.

SR-22 in Florida
Certain incidents or violations may require you to carry an SR-22 certification, which mandates that you purchase bodily injury liability, or BIL, car insurance on top of the basic Florida car insurance requirements.

You will have to carry an SR-22 for 3 years IF:

  • You are involved in a car accident that causes injuries or property damage.
  • You have had your driver’s license suspended due to excessive traffic violation points.
  • Your driver’s license has been habitually revoked.

If you are found guilty of driving without car insurance, you may have to carry a 6-month non-cancelable SR-22 for up to 2 years. A 6-month non-cancelable SR-22 requires you to pay your entire premium up front each time you renew your policy.

FR-44 in Florida
If you are convicted of a DUI in Florida, you may be required to purchase additional insurance and file an FR-44 form as proof of that coverage. FR-44 certificates are required when a driver has been convicted of a DUI and did not hold the following amounts of coverage for bodily injury liability and property damage liability insurance on the date of the arrest:

  • $100,000 for injuries to any one person.
  • $300,000 for injuries to all people in one accident.
  • $50,000 for property damage liability (PDL).

If you are subject to the FR-44 requirement, you will need to add BIL and PDL coverage to your policy, with the minimum shown above. You must have your FR-44 for at least 3 years from the date of suspension. Driving under the influence is not only dangerous, but it can also be extremely costly. Stay safe and keep your car insurance premiums down.

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