An SR22 is a form which must be filed by the insurance company stating that auto liability insurance (Bodily Injury Liability and Property Damage Liability) is in effect for a particular individual. The Bodily Injury Liability limits must be at least $10,000/$20,000, and the Property Damage Liability limit must be at least $10,000 in the state of Florida.
The SR-22 insurance is required when an individual was in an accident or was convicted of a traffic offense and was unable to show financial responsibility. Florida will require your friend obtain the SR22 and then carry its necessary Liability coverages for three (3) years.
Since February 2, 2008 the state of Florida has required that to reinstate your license after a DUI conviction you must get higher Liability limits so if your friend is still carrying the SR-22 after this time he would have to trade up to a FR-44 with its higher limits. He could no longer get only $10,000 of Bodily Injury Liability but is required to have $100,000 for one person and a maximum of $300,000 per incident and have his insurer file a FR-44.They also must carry $50,000 of Property Damage Liability.
The FR-44 is similar to the SR-22 financial responsibility certificate that one must file with the state after certain convictions though the FR-44 is required after DUI convictions and has higher limits than the SR-22 in the State of Florida.
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 auto insurance limits of 10/20/10 until February 1, 2008.
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.
Both the SR-22 and FR-44 in Florida are typically required for 3 years.
Your friend can click here for a Florida SR22 insurance quote and be able to purchase that policy immediately on-line. CarInsurance.com also provides quotes for FR-44 coverage with Safeco Insurance and Direct General Insurance Company in Florida. Our website can handle the new requirements when you quote and purchase online.
If your friend indicates the above infractions and request an SR-22, we will bump up the coverage requirements and after the policy is purchased the car insurance company will file the FR-44 on your behalf.