Florida SR22 / FR44 Insurance, And Florida Non-Owner SR22 / FR44 Insurance Details
WESSELL INSURANCE SERVICES operates in Florida and 40 other states. Within the state of Florida, an SR22 / FR44 insurance policy can be issued to reinstate your driver’s license due to a past offense. The Secretary of State’s office in Tallahassee oversees the citizens of the state of Florida, and monitors the status of all drivers licenses. If you have had certain violations in Florida, you will need to satisfy them to recover your license. This process of communication occurs between appointed insurance companies and the state. The SR22 / FR44 system of communication is the tool to accomplish the license release.
The newest insurance tracking program in Florida is the FR-44 insurance filing. This type of policy is similar to the SR-22 in that it will take care of your license, and you can insure a vehicle as well. (Non-owner policies can be written as FR-44 also, just like the SR22)
The Florida FR44 requirement has been in effect since 02/01/2008, following Virginia as the second state to participate. The liability limits are the only difference here, 100/300 bodily injury, and 50 (in thousands) – property damage. This is up from the SR22 minimums of 10/20 and 10 on PD. The FR44 requirement is given to alcohol offenders, and some others meeting certain state criteria. The idea is that if a higher level of coverage is carried, the state as a whole will be better protected. The process for obtaining an FR44 is simple, just like an SR22. Call or fill out an online form, and include your driver’s license number so we can run the MVR, and then you can put it in place right over the phone. We will complete the FR44 form, and forward it to the state for processing.
If you are a resident of another state, but still need to file SR-22, or FR-44 in Florida, we can help you with that as well. With a cross-state filing, you can only choose the NON-OWNER version of the SR22. This will take care of any holds that Florida may have on your current license. This type of policy will be based in Florida, with a mailing address in your home state. All policies written in this fashion will remain NON-OWNER, with no vehicles allowed. The responsibility for insurance locally remains on whatever vehicle you operate that is covered through a different insurance company than WESSELL INSURANCE SERVICES. The nice part, however, is that your other company need not know about your Florida situation.
WESSELL INSURANCE SERVICES is contracted with several insurance carriers in Florida, and we are ready to help you recover your suspended license. For further reference, we have included the state of Florida contact information below.
Minimum mandatory insurance coverage for the State of Florida is:
■ $10,000 bodily injury for one person in one accident
■ $20,000 for two or more persons in one accident
■ $10,000 property damage incurred in one accident
Florida also requires uninsured motorist bodily injury and personal injury protection.
For additional information regarding Florida financial responsibility SR-22 high-risk auto insurance contact:
Florida Department of Financial Responsibility
Motor Vehicle Division
P.O. Box 5775
Tallahassee, FL 32314
Phone: 850-922-9000
