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What is the Difference Between SR22 and FR44 Insurance in Florida?

Ready for an insurance quiz? Don’t sweat it, it’s only one question.

What’s the difference between FR44 and SR22 insurance in Florida? You don’t know?

That’s OK, a lot of people don’t. However, if you find yourself trying to restore driving privileges after a major violation, such as a DUI or driving without insurance, these terms may be familiar.

These types of insurance are often required in states like Florida before you can start driving again after having your license revoked.

Want to know the difference between the two? Read on to learn the differences between an FR44 and SR22 in Florida.

What’s SR22 Insurance?

There are over 2 million drivers in Florida with a suspended license. There are many reasons for such a suspension. Some have a license revoked due to unpaid court fines, while others have more serious offenses like getting hit with a DUI.

In the case of a DUI, the State of Florida will require two certificates to show that you have insurance in order to get your license back.

One of these certificates is an SR22. It’s not a type of insurance, but rather it’s a certificate that your insurance company sends to the State of Florida that shows you have enough insurance to meet the state’s liability requirements. 

A Primer on FR44 Insurance

What does FR44 mean? It means financial responsibility. It’s a certificate that shows that you have enough insurance to cover any financial responsibility if you should get into another accident.

There are two types of FR44 insurance. There’s the standard FR44 insurance and there’s Non-Owner FR44. A standard FR44 covers you when you drive a vehicle you own.

A Non-Owner FR44 is usually required by the State of Florida to make sure that you have the right amount of insurance coverage when you don’t own a car. There are examples of people borrowing a car and getting into an accident that causes personal injury.

While your friend’s car will be covered for the damage by their insurance, and injuries will be covered by the FR44.

The FR44 liability limits required by law are $100,000 for one person, $300,000 for death or injury to two people or more. There’s also $50,000 property damage coverage.

Know the Difference Between SR22 and FR44 Insurance

If you have your license suspended or revoked, you have to jump through a lot of hoops to get it back. The department of motor vehicles wants to make sure that you have insurance whether or not you’re in your car or plan to drive a car that doesn’t belong to you.

When you’re ready to get your license back, it’s important to know the difference between an SR22 and FR44. They’re both important insurance documents. One is provided by your insurance company and the other you obtain when you sign up for insurance coverage.

One thing to note is that with a DUI on your driving record, your premium is going to go up. Read this article to find out how insurance companies calculate your premium.