FR-44 Insurance

What is an FR44 Certificate?

An FR44 form is a certificate of financial responsibility (FR). FR44 demonstrates that you carry required liability insurance after being convicted of a DUI.

Auto insurance companies issue the FR44, filed with the Florida Department of Highway Safety and Motor Vehicles (DMV) once your premium is paid in full. You’re also not allowed to cancel your insurance coverage.

An “FR44” isn’t insurance. It’s a document that proves you meet Florida’s property damage liability insurance requirements.

“An FR44 certificate is like a rider the government requires when an owner or operator of a vehicle is convicted of a DUI,” says Andrew Mallory, attorney/partner at Byrne Mallory, PLEC, in St. Petersburg, Florida. “Without this FR44 form, your license can be revoked.”

FR44 Insurance Requirements in Florida

When you’re required to obtain an FR44 certificate, you must have auto insurance in place. You’re also obligated to have a minimum amount of liability coverage on your automobile insurance:

• $50,000 of property damage liability
• $100,000 of bodily injury per person liability
• $300,000 of bodily injury liability per accident/occurrence

Regardless of the FR44, it’s usually a wise idea to have at least $300,000 in liability coverage.