Dont Get Caught Without FR44 Insurance in Florida
Do you know the importance of having FR44 insurance in Florida? If not, its best to get familiarized with it before you end up in a sticky situation. FR44 insurance is specifically designed for those charged with driving under the influence offences (DUI). In Florida, this means if someone has been convicted of DUI, they must carry the FR44 insurance or they will face serious consequences.
What do the consequences look like for not having FR44 insurance coverage? Lets start with the fact that your license and registration suspending immediately and fines up to $1,000! Not to mention, having the FR44 on your record for a minimum of 3 years and a maximum of 5 years. Thats why you don’t want to get caught without it! Not only will your license and registration be suspended, but you will also receive points on your driving record. You will receive 12 points that will remain on your record for a minimum of three years and could lead to the possibility of getting your license permanently revoked.
Lets take a look at the details of what having FR44 insurance means. According to the Florida DMV, the FR44 insurance covers bodily injury liability insurance at a limit of $100,000 per person and $300,000 for two or more people injured in an accident in which you are at fault. Property damage liability is also covered at a limits of $50,000.
In addition, you are required to carry a certificate of financial responsibility. This certificate is usually cover sheet issued and signed by someone with both legal and financial responsibility for your vehicle. Once you have proof of liability insurance, then you will have to file an application along with a certificate of insurance from a legal insurance carrier.
With this information, it should be clear that getting FR44 insurance is essential in Florida, especially if you have been charged with a DUI offence. Not only will this insurance cover bodily injury and property damage liability insurance, but it also provides a security blanket in case you get charged with DUI in the future.
Now, lets talk practicality where can you purchase this insurance? Fortunately, many insurance providers offer FR44 insurance in Florida. Accessing the plan and its cost are easy. All you have to do is contact an insurance provider and ask for more information on the FR44 insurance plan.
When it comes to the costs, rates do vary by insurance companies and it’s based on your needs. But overall, it is an affordable insurance coverage option that provides you with a lot of protection.
Whats even better is that Florida is unique when it comes to FR44 insurance requirements. Even if your driving record has a few blemishes like two speeding tickets within a calendar year, FR44 insurance will still cover you for the minimum limit required in the state of Florida. This will ultimately save you money and peace of mind.
Getting FR44 insurance in Florida is easy, it’s affordable, and it’s necessary to protect yourself. Don’t get caught without it!
Now that we know the importance of FR44 insurance in Florida, lets dive deeper and explore the actual claims process. What happens when an accident occurs with an uninsured party? If there unseen or additional costs associated?
When an accident occurs with an uninsured party, it can be a bit intimidating for those involved especially if therere claims to be submitted for repairs. Worry not, FR44 insurance plans cover both personal injury and property damage in the event that you are in an accident with an uninsured party. If there are additional costs that arise due to repairs, it will be covered by the liability limits of your selected policy.
That’s not all. In some cases, it may be beneficial to seek the help of a lawyer if the case gets complicated. If your insurance provider refuses to reimburse you or your third-party, for whatever reason, it is within your right to take up legal action for additional help. That way, you dont have to worry about coming out of pocket for costs to repair your vehicle or additional medical bills.
Another important detail regarding the claims process is having a clear understanding of the documents required when filing a claim. When filing, be prepared to provide copies of important documents such as your insurance card, drivers license, and license plates, as well as any pictures of the accident, details on the other person in the accident and, if needed, any medical claims or bills associated with the accident.
Now, lets move onto how to manage the repair process after an accident. Depending on the severity of the accident, the repair process may feel a bit daunting. Heres what you need to consider: the extent of the damage to your vehicle and where you choose to have it repaired will determine the cost.
If you choose to use a preferred repairer, you have the added benefit of taking your vehicle to a facility that is affiliated with your insurance company. This means they have the capability of providing you with quick estimates, quick repair and quick pay! On top of that, the repairs will be covered and backed by the insurance company, which provides additional peace of mind and strengthens the confidence in using them.
Speaking of additional peace of mind, many FR44 insurance providers can provide you with a rental car while your vehicle is being repaired. Meaning, instead of having to use hard-earned money to pay for a rental or being without a vehicle while your cars being repaired , youll have one available to you at a discounted/covered rate.
The repair estimates all depend on the repairs that need to be done and the facility that you choose. Always do your research and find a facility that can offer competitive prices that are also backed by your insurance provider. When the repairs are finished, youll be back on the road in no time without having to worry about how youll pay for it.
As with any insurance purchase, theres a certain lingo that should be understood before making a commitment. Not only will understanding the lingo help you make an educated decision, it will also prevent any miscommunication between you and your provider.
Two key terms you should know are deductible and limit. The deductible is the out-of-pocket amount you will be responsible for out of pocket in order to repair your car or cover any medical bills after the accident. The deductible is often as small as $500 or even smaller depending on your plan. The limit, on the other hand, is the total amount the insurance provider will cover for repairs, medical bills or any additional costs associated with the accident.
Next, you should find an insurance provider that offers additional discounts and benefits. Knowing the community of drivers that youre sharing the road with is essential. That’s why there are specific policies that cater to everybody. This means some FR44 insurance plans are tailored for both homeowners and non-homeowners, military personnel, and retirees.
A great way to save additional money on your insurance plan is trying to find a provider that is willing to add on additional drivers or members to your current insurance plan. Most insurance providers offer discounts to those who have multiple drivers on their policy.
Lastly, when youre taking the next steps to purchasing FR44 insurance, be sure to answer these questions: Do you have an existing insurance plan and want to add you FR44 coverage? Are you a new customer who doesnt have a policy yet? What discounts can I get?
Once youve answered those questions, youre ready to start the process. Whether youre looking to add on to an existing plan, or starting from scratch, purchasing the FR44 insurance is easy- just provide a few pieces of information and youre on your way to getting the coverage you need.
To recap: Dont get caught without FR44 insurance in Florida. Florida FR44 insurance provides liability coverage to those charged with a DUI conviction and often, those with other minor infractions too. Plus, getting access to the insurance is easy with affordable options and additional benefits. Be sure to understand the details and do some research so that you can get the coverage you need for the best price. Dont wait, get started today and stay safe on the road.