Florida Auto Plus Insurance Agency
(305) 278-1388
As of May 4th 2012, Florida car insurance policies with FR44 filing may not be cancelled by the insured or
company after 30 days. The initial 30 day period is to allow the insurance company to complete its
underwriting. After the company determines the risk eligible, according to its rules and guidelines, the non
cancellable provision becomes effective.

From now on, most companies will only offer a paid in full bill plan for such policies. It's very important to
shop around because some companies will still offer a payment plan, although they might be soon to follow.
Also, with many of the companies requiring the policy to be paid in full, the liability coverage on the policy
cannot be changed during the policy period and the premium is non refundable. Most changes to the risk will
require a new policy to be purchased and paid in full. If the new policy is from the same company, then they
may apply a credit from the old policy to the new one.

This action will ensure that a DUI driver will have continuous
FR44 insurance with 100/300/50 liability in
effect, for at least 6 months, after they reinstate their license. Having the proper insurance is good for
everyone concerned, however, having to pay for it all at once will be unaffordable for some, leaving them
without. Their license will remain suspended and any driving they may do invites additional harsh

With some companies, even divers who have had a
Florida DUI insurance policy continuously in force
without any lapse and paid monthly, must pay their renewal in full. The new mandate is very unfair to all
these policyholders and many of them will simply be unable to pay. This will cause their license to be
suspended and subject to additional reinstatement fees when they are finally able to afford a paid in full

We condemn drinking and driving of any kind and always have. However, we also recognize that it takes very
little alcohol to breach the threshold for conviction and law enforcement is very rigorous.  Many convicted
drivers did not realize they were over the limit when they were pulled over for something entirely unrelated or
came upon a routine check point. This mistake can happen once to just about anyone. “Anyone can easily
make this mistake” has been a mantra of our agency.  

With low loss ratios and cancellations,
Florida FR44 insurance policies are profitable for companies and
many are competing for this business with sensible rates. The new rule will make the policies even more
attractive for insurance companies which will have a price reducing effect for consumers. In the meantime
however, it simply means the policyholder will have to “come up with the cash” for a paid in full policy with
some companies to keep their license active. Some drivers who are unable to pay will inevitably drive without
car insurance, making the mandate counterproductive in this circumstance.

Most people agree that driving while intoxicated is dangerous and should be dealt with aggressively to
reduce the number of incidences. I do not believe this aggressive action will have much of an effect at
reducing the number of DUI drivers, and may increase the number that drive without insurance. Punishing
policyholders who have been compliant by maintaining their
insurance and FR44 filing in good standing, and
forcing them to pay for their renewal premium in full, seems unjust to me.  I believe “Anyone can easily make
this mistake and most learn their lesson the first time.” Targeting repeat offenders and those that do not
maintain their required insurance would be a better approach.
FR44 Insurance in Florida: Common Questions With Complete Answers
There is enough details in the answers provided here that you will be well on your way to becoming an
expert. The information provided will enable you to get a clear picture of what you need to do in your
particular circumstance. These are the questions you will find answers for: What are the requirements that
need to be met for a FR44 policy? How quickly can I reinstate my license after I purchase a policy? How
much will the FR44 insurance policy cost? Can I cancel my FR44 insurance policy? Are companies offering a
monthly payment plan for the FR44 insurance policy? How will I know when my FR44 requirement is no
longer needed?

Florida FR44 Insurance Filing Without a Car
Whether you received a DUI driving a car or motorcycle, operating a boat or jet ski, or some other vehicle,
the requirements to reinstate your license are going to include proof of liability insurance. Even if a DUI was
received while riding your bicycle or as a passenger, and this does happen, the consequences are still the
same. A new policy does not necessarily mean a new car insurance policy. No matter what you were driving
or doing to receive a DUI you can fulfil insurance requirements for license reinstatement with a variety of

FR44 Insurance in Florida: Smart Tips and Helpful Hints
It can be a very frustrating experience securing the proper insurance to regain and maintain your driver
license after a DUI. It can also be a relatively easy and hassle free experience. Getting all the correct
information and not just the obvious facts is the key to getting insurance that will meet your needs and not
“push your buttons.” The information provided here is not well known and is indispensable for DUI drivers
that need a policy without a headache.

Florida FR44 Insurance Companies Include Key Policy Discounts
Thankfully, for DUI drivers, discounts for high limits, full payment, and prior insurance are extended to them
even though they are mandated to have these options. Many convicted drivers end up with more coverage
for less money in the long run than before they were convicted. Loss ratio results for companies clearly
justify the rate reducing discounts for this group

Florida DUI Insurance: Raised Limits, Rate Hikes, Tough Choices
The dilemma of DUI in Florida is difficult, complicated, and expensive. When convicted drivers search for a
policy they frequently find agents without the necessary experience. Rates vary greatly between policy types
causing many to consider changing their vehicle or doing without one altogether. Help is available from
certain companies, there are agents that specialize in this area, and both are not difficult to find.

Florida FR44 Filing by a Motorcycle Insurance Policy Costs Far Less
Different rules affecting motorcycle insurance in Florida are often overlooked by DUI drivers and insurance
agents. This is a practical and lower cost method to comply with a Florida FR44 filing and is often welcomed
news for convicted drivers. A motorcycle policy will decrease or eliminate any rate increase a driver would
pay to elevate their liability on a car or truck policy.

FR44 Insurance for DUI and DWI Drivers Is Sensible
The next best step in the ongoing effort to make roadways safer from drunk drivers everywhere may very
well be with state legislatures and not law enforcement. For several key reasons the FR44 car insurance
policy has been an excellent development in Florida and Virginia. It is easy to see that the FR44 insurance
policy ends up being a winning scenario for all involved.

Car Insurance With SR22 or FR44 After DWI or DUI to Regain License
The process of acquiring insurance with an FR44 or SR22 after a DUI or DWI is very similar.
However, it is very important to know the differences between these types of policies in order to
properly reinstate your license, and save money.

Car Insurance With DUI for Convicted Drivers
There is not much of difference between auto insurance before and after a conviction.
The main differences are the mandated increase in coverage, and the difference in premium.

How Much Will Car Insurance Go Up With a DUI?
The increase in premium after a DUI / DWI varies from person to person. There are many different
variables that insurance companies use to determine rates for DUI drivers. However, employing a good
strategy when shopping for insurance after a DUI / DWI will save you money.

Florida DUI Insurance and FR44 Filing Process to Reinstate License
Obtaining Florida FR44 insurance and the associated filing is necessary to reinstate your drivers license
after a DUI conviction. The FR44 can be filed electronically with the State by the insurance company
and the process is quite easy.

FR44 Florida Auto Insurance Facts For DUI Drivers
It takes so little alcohol to be considered over the legal limit that a DUI can easily happen to anybody.
Drivers convicted of a DUI in Florida are required to purchase an insurance policy with an FR44 filing
in order to reinstate and maintain a valid driver's license.

Florida FR-44 Insurance Filing Fee and Other Related Costs
Increased coverage, point surcharge, rate tier assessment, and filing fee all come together to increase
the policy premium (price) for drivers requiring an FR44. It's important to know the facts and shop around.
A well informed consumer will save money in the long run.

FR44 Auto Insurance Filing For DUI Drivers in FL and VA is Fast and Efficient With the Right Company
Receiving a DUI and the steps to reinstatement can be long and arduous. From arrests, to classes, fees,
and interlock devices, getting a DUI can be a real hassle. Drivers convicted of a DUI are required
to obtain FR44 auto insurance to reinstate their license. This step, however, does not have to be a hassle.
Shop around with reputable companies that file the FR44 form electronically with the State. This will
help you save time and heartache.

Florida Drivers Convicted of DUI Must Submit Form FR-44 to the Bureau of Financial Responsibility
Starting October of 2007, Florida drivers convicted of a DUI must purchase an insurance policy with an
FR44 filing. The FR44 form serves as proof to the State that the insured carries the required bodily
injury liability limits. The FR44 form replaced the SR22 form formerly used for DUI drivers.
Saving Money, Minimum Requirements, and License Reinstatement Article Links...
written by expert Ezine author: Clifford Schimek
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1 877.WIZ.AUTO (949-2886)
The Florida FR44 Insurance Experts
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Links to detailed information:
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  • Clifford Schimek - agent/owner
1877-WIZ-AUTO (949-2886)

To Quote
"This is what we do when you call"
Hear about us from a few of our customers...

Dear Andrew,
Thank you  for all of your assistance in finding a lower rate on my insurance even with a strike on one of my
children's driving record. I had been with the same reputable company for 3 years and had just been hit with
an up charge that doubled my rates.  I was amazed that you found the same coverage and at a lower price
than my "good" insurance rate had been.  Not to mention that you answered the phone at 6 pm and stayed
on the line until 8:30 at which time I had a new policy with a known company at the great rate that you found.  
I appreciate the time you took to explain everything. I have always been a savvy consumer and wasn't sure
about calling an unknown on a website but was pleasantly surprised at the professionalism and knowledge
that you have.  I rarely write referrals but please feel free to use this email.  Your help and finding those
discounts was awesome!  Thanks!!!!

As soon as the agent answered the phone and told me I could only have insurance if I was ready to receive
the best quote I have ever received in my life. I scoffed and thought “yeah right” I had a list of numbers to call
for all the other companies but to my surprise ended up not needing them.  I really did get the best quote
ever. It made my day much easier, and my future payments very low.  Andrew really worked with me to make
sure payments were low and even helped me after hours sometimes. He helped me with every step of the
process and tried to save me money where ever he could even to save printing costs by sending only pages
needed to be signed. This company went above and beyond for me,  I will absolutely be a returning
customer. Very friendly employees and family owned business.  Where can you go wrong?
Thank you again,
Florida FR44 now requires full payment – Hard to believe these rules must be followed!