Insurance penalties in Florida

Insurance penalties in Florida

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 minimums 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.              

credit : http://www.dmv.org/fl-florida/car-insurance.php

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