FR44 has highter limits than the SR22.

Drivers convicted of a DUI in Florida after February, 2008 are required to up their Liability limits.

The increase auto insurance liability limits are required for 3 years and are 100/300/50.

• $100,000 per person for bodily injury or death
• $300,000 total for any one accident for bodily injury or death
• $50,000 of property damage liability

Currently the reinstatement fee are:

• $150 – 1st offense
• $250- 2nd offense
• $500 – 3rd offense

Your chosen insurance company is responsible to file the FR44 form with DMV.

If the FR44 is not received by the DMV when your new auto insurance policy is issued or or policy is renewed, the DMV can suspend your privilege to drive and register motor vehicle.

If you have DUI convictions and you need FR44 auto insurance in Florida, it is quite likely that you will pay higher insurance premiums.

Please note the following when completing an FR-44:

• All FR-44‘s must be faxed to the Florida Bureau of Financial Responsibility at (850)-617-5216.
• All FR-44‘s must be typed. Hand written forms will be rejected by the state.
• All fields must be completed on the filing or it will be rejected by the state.
• A copy of the FR-44 must be faxed to You Insurance Company.
• A copy of the FR-44 should be provided to the Insured

Please be aware that policyholders cannot have:

• a Florida FR-44 on a policy in a state other than Florida, or
• more than one FR-44 on one driver or,
• a Florida SR-22 and Florida FR-44 on one driver.

However, some companies will give you a better deal than others so just get a free auto insurance quote now and see how much you can save.

SR22 Insurance Quotes

It is important to know that Florida SR22 does not refer to a Florida auto insurance.

SR22 is the name of a form used by car insurance companies in order to certify compliance for drivers required to maintain minimum limits of liability insurance.

The SR22 form is submitted by the insurance company to Florida’s Bureau of Financial Responsibility.

Florida’s No Fault Law requires most residents of Florida to maintain:

• $10,000 of Personal Injury Protection
• $10,000 of Property Damage Liability

Drivers are required an SR22 form if they have traffic violations, like DUI or suspension for too many points.

To comply with the Florida SR22, the minimum bodily liability limits change to:

• $10,000 per person
• $20,000 per accident

The requirements could also be fulfilled with a single limit of liability of $30,000.

$15.00 is the filling fee of an SR22, which is the only additional cost to the insured.

If you are required to file an SR22 and you fail to do so, your driver’s license can be suspended.

Here are some essential tips and information to help you out:

1.First, realize that even a supposedly cheap SR22 insurance policy is still likely to be more expensive than a regular car insurance coverage. This has a lot to do with the level of risk the driver represents (getting his driver’s license suspended and all) so instead, aim to get an affordable SR22.

2.Look for car insurance companies that specializes in coverage after a DUI conviction or any other offense that has cost you your license. You would get better rates and deals with them compared to the general-purpose insurance carriers.

3.The Web is still the best way to find cheap SR22 insurance. There are lot’s of car insurance websites that can help you shop for relatively-cheap policies online. Rates can vary significantly from one company to another so always do a comparison before taking a policy.

4.Taking defensive driving classes, adding additional safety and security features on the car, driving less, and anything else that you do to lower your risk as a driver can contribute to ease-up the costs of maintaining an the policy over the long run.

Make sure you know what a SR26 Form is and what will happen if your insurance company files one.

First of all, lets make one thing absolutely clear. Driving your vehicle without auto insurance in Florida, or anywhere in the United States Of America for that matter, is illegal.

It is a crime and when, not if, you get caught you will face charges. Police officers in Florida are checking people’s insurance all the time.

Your driving privilege can be suspended by The Department of Highway Safety and Motor Vehicles for up to three years or until you provide a proof of Florida auto insurance.

And suspending your driving privilage is only the beginning. When your driving license is taken away because you are not insured, you will have to pay a fine in order to reinstate your license.

The penalty could be in the region of $150 to $500, with larger sum being paid if you have previous violations.

Driving without vehicle insurance in Florida is not only a punishable offence, but it is a bad idea in general.

Statistics show that most serious accidents are caused by drivers without insurance.

Consider the fact that even if you are not caught just yet, it is possible that you can cause an accident and without a car insurance you will quite probably have to pay a large sum of money to cover repairs and medical expensed.

It is an undisputed fact that many people in Florida drive around without auto insurance. Especially true now given the state of our economy and people’s need to save money.

When it comes to auto insurance in Florida, there is not really a choice – you are obliged to have one. You either get insured or don’t drive your car at all.

Rather than thinking you are saving money by not paying monthly premiums for car insurance, it is far wiser to try and save by getting a cheaper car insurance.

Go ahead and get a few free auto insurance quotes. You will be surprised how affordable insurance actually may be for you and you will be glad you have saved yourself from a lot of trouble.

Who does Florida PIP insurance cover?

Florida PIP insurance covers the driver and all passengers in the car at the time of an accident. PIP will also cover anyone living in your household is driving your car at the time of the accident (for example your teenage kid), but only if they don’t have a car of their own and if you have listed them on your PIP application.

How long do I have to wait before receiving my PIP insurance benefits?

PIP Insurance takes care of medical bills

The good thing about Florida No Fault Insurance Law is that you don’t have to wait for all the insurance companies involved to determine fault before paying you. Florida PIP insurance pays right away which is rather convenient in the unfortunate event of you facing huge medical bills as a result of an accident.

Most people have the “It will never happen to me” mentality. Do yourself a favour and think about this for a minute. If you have an accident you will be faced with at least $2,000-$3,000 bill and that is only for ambulance, emergency room, initial check up and x-rays. If you require extensive treatment and rehab, the bill will be times that.

It really does not matter how good of a driver you are, because you have no control over other people and their stupidity on the road. When it comes to your family, your loved ones, is it really worth driving without PIP insurance? It is your responsibility to have them covered.

What if I have to take time off work because of an accident?

Florida PIP insurance will pay you up to 60% of your gross income plus of course any reasonable expenses during your recovery.

In the even of your death, caused by a car accident, Personal Injury Protection will pay $5,000 your beneficiary.

In summery, Florida PIP insurance is required by law and you must not drive without it. PIP covers you, your family and any passengers in your car in the unfortunate event of an auto accident. Maximum amount payable is $10,000 per individual, per accident.

Click here to compare FREE quotes and save up to $450 on PIP insurance

Yes, Florida is a no fault state for auto insurance.

Knowing and understanding Florida No Fault Insurance law will allow you to choose the right coverage for you and will also help you if you need to make a claim in the future.

There is a general misconception about no fault auto insurance and what it actually covers.

In Florida, no fault auto insurance really is in regards only to medical payments. Meaning that if you are involved in an accident, your insurance company will pay for your bodily injury claims regardless of who was at fault.

The law requires you to carry a minimum of $10,000 of personal injury protection (PIP) and $10,000 of property damage liability (PDL).

You must note that covering the property damage done to your vehicle will be responsibility of the at fault party in the accident.

Florida no fault insurance law is intended to reduce lawsuits between drivers. You can only sue the at fault party if you meet certain thresholds like major bodily function, disfigurement or significant scarring.

Take some time out to get as many Florida no fault insurance quotes as possible before opting for any company. Additionally, I consider it a smart action since you don’t pay a dime to get car insurance quotes. You only pay when you choose a particular insurer.

Requesting your auto insurance quotes online will generate additional savings. Include how convenient it is and I’ll truly be puzzled at why any sane person will overlook such a big privilege.

• $10,000 Personal Injury Protection (PIP) – This insurance covers you in an accident regardless of who is at fault, and pays for portions of costs such as medical expenses, lost wages, and resulting child care expenses. PIP also pays a $5,000 death benefit.
• $10,000 Property Damage Liability (PDL) – This portion pays for damage you or a family member cause to others while driving. ‘Property’ may include fences, buildings, cars or telephone poles.

You must obtain Florida auto insurance if you own and have registered a vehicle with at least four wheels.

If you required SR22 or FR44, Florida Auto Insurance Requirements will be different

As a Florida car insurance consumer, you have the right to:

• Choose your own insurance company and agent
• Purchase your policy without the influence of discrimination
• Obtain a fair coverage quote
• Receive copies of all forms and applications, including your policy, within 60 days
• Have your claim investigated in a proper and timely manner
• Acquire payment for necessary repairs, or for the value of your car, within 20 days of signing a settlement agreement
• File a complaint with your insurance company

Bodily injury liability insurance is not required by law but you can be penalized for not having it if you are deemed responsible in a car accident. If you have been convicted of certain types of violations or been in an accident where you couldn’t pay for the damages, you will be required to carry this type of coverage.

Many people spend a portion of their year in the Sunshine State and the remainder of it elsewhere. If you have a car in Florida for more than 90 days throughout the year, you must purchase at least the minimum personal injury protection and property damage liability coverage.