DUI Car insurance

mark davis: Do I need to have SR22 insurance here in Jacksonville if I have DUI? My case is still ongoing so I just need to know some things if I get convicted. I live in Jacksonville, FL

You Need SR22 Insurance In Jacksonville
Response ; SR22 insurance is a certificate of financial responsibility asked by the Department of Motor Vehicles (DMV) as a proof that a person has car insurance. If you have an ongoing DUI case in Jacksonville, it does not necessarily mean that you need SR22 insurance. It would actually depend on whether you will be convicted or not and whether you have car insurance at the time you were arrested for DUI.

A number of things may cause you to need SR22 insurance in Jacksonville. If you will be ultimately convicted for DUI, your driver’s license will be suspended or revoked. In this case, you need SR22 insurance to reinstate your driver’s license and you have to maintain it for a certain number of years. Other reasons include causing an accident without proper insurance, having numerous tickets or accidents in a short period of time or an accident you caused that resulted to death.

SR22 insurance could be acquired by getting in touch with your insurance company and let them submit the form for you to the DMV. Normally, you would have to pay a small charge for the SR22 to be filed. SR22 generally will be required for three years but would vary depending on the gravity of the incidence.

DUI Car insurance

DUI Car insurance

Anderson Cooper : I have SR-22 insurance, can I switch insurance companies to get cheap sr22 insurance in Florida ?
I had sr22 insurance with progressive but now I am moving to Florida. What should I do – can I restart the 3 year mandatory holding of sr22 insurance.

Hi, I’ve had sr-22 insurance through Progressive for a little over a year now, however due to recently moving to Florida my monthly payments have gone through the roof. Do I have the option of switching to a cheaper insurance company without having to restart the 3 year mandatory holding of the sr-22?
Response :

Anderson Cooper, Cheap sr22 insurance and switching insurance companies.

Cheap sr22 insurance is searched for since sr22 insurance is high risk insurance. Sr22 insurance is required only if you have failed to have financial responsibility your license was suspended or you were involved in a drunken driving conviction. Whatever this might have been, let me clarify that switching insurance to another insurance company would not be a problem, but it is best if you call in your present insurer and find out about this. In most cases, when you cancel a policy short term the insurance company would charge you a short period rate which is higher than the pro-rata charges that are charged.

Progressive does provide cheap SR22 insurance in Florida, you need to compare quotes to get cheap sr22 insurance

Let me also inform you that Progressive also provides sr22 insurance in Florida and hence it might be a good idea to ask them for a transfer of policy and they would let you know what additional charges if any you would have to pay.

The difference in premium that would be charged is based on the geographical area. Florida is considered to be a higher risk state than other states in USA and so this might be a reason why you would see higher sr22 insurance premiums.

Secondly, in Florida sr22 insurance is called SR22 / FR44 insurance policy. You can contact the . The Secretary of State’s office in Tallahassee oversees the citizens of the state of Florida, and monitors the status of all drivers licenses and see if you need FR44 insurance policy or not. FR44 is similar to sr22 in other states and it has been effective in Florida since 02/01/2008.

What are the minimum liability insurance requirements in Florida?

For most residents of Florida the minimum liability insurance requirements are:
• $10,000 of Personal Injury Protection

• $10,000 of Property Damage Protection

• $10,000 per person and $20,000 per accident for Bodily Injury Liability
However, if you are required to have sr22 insurance related to a DUI offenses, you will have to have substantial increase in the minimum liability insurance requirements that were effective October 1. 2007. The increased requirements of liability insurance upon conviction of a DUI will be in the amount of $100,000, because of bodily injury to, or death of any one person, $300,000 for similar liability for two or more persons in any one crash and in the amount of $50,000 because of property damage liability in any one crash, or combined single limits of $350,000 when you combine both limits.

Its best to get your sr22 insurance quote here, you will certainly find cheap sr22 insurance quote and will be equipped with the information of the insurance company which offers you cheap sr22 insurance before you actually move to Florida, you might also find that Progressive is offering you the cheapest sr22 insurance.

Let me know if this helps.

Thanks.

DUI Car insurance

DUI Car insurance

John Calton: Florida : Would a high risk driver for DUI or aggressive driving who requires FLFR44 car insurance or Sr22 as it is called in other states, be eligible for some safety features discount like air bags?

Response : John, in Florida you require FLFR44 insurance which is similar to SR22 car insurance but has higher limits. Most of the insurance companies would consider a discount for the safety features of a vehicle when they are rating the insurance. However, honestly more than the discount given by the insurance company the safety feature is more an added feature that acts as a life saver for you. Let me give you some statistics given by the NHTSA:
“Airbags are designed to inflate in moderate to severe frontal crashes. NHTSA estimates that by 2006, more than 177 million passenger vehicles were equipped with airbags, including 162 million with dual airbags. NHTSA says that frontal airbags saved 2,788 lives in 2007. From 1987 to 2006, 22,466 lives were saved by the devices. Airbags, combined with seatbelts, are the most effective safety protection available for passenger vehicles. Seatbelts alone reduce the risk of fatal injury to front-seat passenger car occupants by 45 percent. The fatality-reducing effectiveness for air bags is 14 percent when no seatbelt is used and 11 percent when a seatbelt is used in conjunction with air bags. Side airbags that protect the head, chest and abdomen reduce driver deaths by an estimated 37 percent, according to the IIHS. Side airbags without head protection, which protect only the chest and abdomen, are less effective but still reduce deaths by about 26 percent, according to a 2006 study. Head-protecting side airbags reduce driver deaths when cars are struck by SUVs and light trucks, probably because when cars are struck in the side by these higher riding vehicles, heads are more vulnerable.”

Thus in case of drivers who are in the habit of alcohol consumption or are aggressive dirvers who speed, these safety features are certainly life savers.
Be safe and drive safe.
Thanks.

DUI Car insurance

DUI Car insurance

Smith (Florida) : What is FR44? When do I need this?

Response : The FLFR-44 car insurance is similar to the SR-22 financial responsibility certificate that you must file with the state after certain convictions though typically the FR-44 is required after DUI convictions and has higher limits than the SR-22 insurance.

In Florida the FR-44 has been required since February 2008. Those convicted of a DUI in FL after October 1, 2007 were allowed to keep an SR-22 with limits of 10/20/10 until February 1, 2008. Effective February 2, 2008, drivers in FL with a DUI were required to up their Liability limits.

The FL FR-44 has higher limits in the amount of 100/300/50. A driver must have these new required Liability limits (instead of the previously lower limits of 10/20/10) in place on the offense date of the alcohol related offense to not owe a reinstatement fee but will still need to provide the state with an FR-44. If they did not have the required limits a driver who had their license reinstated prior to February 2, 2008, only paid a $15 reinstatement fee. The reinstatement fee on or after February 2, 2008, is now $150, $250, or $500 dollars.

You need this if you are held for a DUI or DWI offence. It is always advisable to compare the car insurance quote which can still be low.

DUI Car insurance