By law, all Florida drivers must carry personal injury protection (PIP) and property damage liability insurance. These requirements exist to help you protect both yourself and others in case of vehicle accidents, and if you break the law then you are likely to face penalties.
Auto insurance requirements are based on the fact that driving is a dangerous task for everyone. However, Florida’s mandatory insurance requirements are only based on the coverage the average driver needs. High-risk drivers, who pose exceptional dangers to others behind the wheel, often need more coverage, and in certain cases the state will require them to buy it.
For instance, if you are convicted of a DUI, then the authorities might institute an FR-44 requirement, which will force offenders to buy and maintain higher levels of auto insurance. Here’s how they work.
What Are FR-44s?
An FR-44 is frequently referred to as a DUI insurance policy. In reality, it is an endorsement that the state will require someone convicted of a DUI to add to an auto insurance plan. The FR-44 will increase the minimum amounts of coverage required of the policyholder in question.
For instance, Florida’s mandatory insurance requirements for all drivers are:
- $10,000 PIP
- $10,000 Property Damage Liability Insurance
However, if you have an FR-44 requirement, then you will have to carry a policy with at least the following coverage:
- $10,000 PIP
- $100,000 Bodily Injury Liability Coverage (per person)
- $300,000 Bodily Injury Liability Coverage (per accident)
- $50,000 Property Damage Liability Coverage
Why Do FR-44s Have Higher Minimum Insurance Requirements?
The reason that DUI/DWI offenders will often face the FR-44 requirement is because the offenses themselves are very serious. Intoxicated driving of any kind poses astronomical risks to both the offender and to others on the road, and if an offender were to cause an accident, then they will have to pay for the harm they cause other accident victims, by law. The FR-44 mandates that they will have the insurance that is necessary for them to do so.
If you cause a vehicle accident while driving intoxicated, then the accident will be your fault. DUI-related accidents are also among the most serious and most expensive on average. Therefore, by committing such an offense, you are positioning yourself to be an exceptional threat to public safety. The mandatory liability insurance coverage required of an FR-44 recipient ensures that this threat is minimized as best as possible, regardless of whether you ever commit such an offense again.
Still, FR-44 requirements do not last indefinitely. You will usually only have to carry the FR-44 for about three years. If you do not re-offend during the timeline of this penalty, and continue to keep your auto policy active, then you will be able to let the FR-44 drop off the plan upon its expiration.
For more information on FR-44s, contact Foxx Insurance Group. We’re here to help you keep your vehicle insured effectively and affordably no matter what your coverage needs might be.
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