FR-44 in Lake Worth, FL
If you’ve been told you need FR-44 insurance in Florida, you may be feeling overwhelmed or unsure about what comes next. Understanding what FR-44 insurance is and how it works can help you get back on the road legally and confidently.
What Is FR-44 Insurance?
An FR-44 isn’t technically insurance; it’s a document that certifies you have certain levels of auto coverage. The FR-44 form is filed with the state to prove you carry higher-than-standard liability limits, which are designed to provide extra financial protection in case of an accident. Submitting an FR-44 is typically mandated after serious driving violations, such as a DUI (driving under the influence) or DWI (driving while intoxicated).
Who Needs FR-44 in Florida?
You may be required to obtain FR-44 insurance if you’ve been convicted of:
- DUI or DWI offenses
- Driving with a suspended or revoked license due to alcohol or drug violations
- Other serious traffic violations as determined by Florida law
If the court or the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) has notified you that you need FR-44, it’s important to secure the correct coverage before attempting to reinstate your license.
What to Expect with FR-44 Coverage
FR-44 insurance typically comes with higher premiums and stricter requirements than standard auto policies. The state requires you to maintain this coverage for a set period, often three years, without any lapses. Your insurance broker can help you understand your obligations and keep your policy in good standing.
Get Help with FR-44 Insurance Today
If you need FR-44 insurance in Lake Worth, FL or anywhere in Florida, we’re here to help. Contact New Life Insurance Multi-Services, LLC today to discuss your situation and get started on the path to license reinstatement.