What is FR-44/SR-22 Insurance?
A FR-44 and SR-22 are both Certificates of Financial Responsibility (CFR) forms. A CFR is a certificate that is required by the state to show that you have auto insurance liability coverage.
Typically, to reinstate your license after you have been convicted of a DUI/DWI, you will have to file an FR-44 CFR with the DMV. The FR-44 certificate verifies that you have minimum liability insurance with 100/300/50 limits. This means you are covered for $100,000 for injury to one person, $300,000 for injury to two or more people, and $50,000 for property damage. After a FR-44 policy is issued, it cannot be canceled, and the compliance period is three years. The FR-44 policy is to be paid in full at the beginning of your 6-month policy term.
If you have been determined to be a ‘high-risk’ drive, the state of Florida may suspend your license and require you to get SR-22 insurance in order to restate your driving privileges. Some factors that determine if you are a high-risk driver are getting into an accident while uninsured or having too many points on your record. SR-22 insurance isn’t a separate type of insurance, but a policy that has an endorsement attached. The length required to have the SR-22 endorsement can vary depending on your situation.
Here at Leigh Insurance Agency, we offer affordable rates for FR-44 and SR-22 policies. If you are interested in receiving a quote, please select 'get a quote' at the top of our page, or feel free to call us at (904)826-0799!
1797 Old Moultrie Rd
St Augustine, FL 32084
Click Here to Email Us