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What’s the Difference Between an Sr22 and an Fr44 in Florida

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What’s the Difference Between an Sr22 and an Fr44 in Florida

The difference between SR 22 insurance and FR44 insurance in Florida is mostly in the liability insurance requirements: An FR44 requires you to carry much higher levels of liability insurance in Florida than an SR22. That adds quite a bit to your monthly car insurance premiums.To help you understand, here’s a bit of background.If you are convicted of a driving-related offense in Florida, the law will impose either an SR22 or FR44 requirement on you. That means you need SR 22 insurance, or FR44 insurance, respectively.

SR22 requirements are imposed for relatively minor traffic offenses, including driving without insurance and reckless driving. FR44 requirements are more onerous and expensive for drivers, and are reserved for those convicted of DUI or DWI offenses. The FR44 is used in only two states: Florida and Virginia.The “sr” in “sr22” stands for “statement of responsibility.”

the “fr” in “fr44” stands for “financial responsibility.”

both the sr22 and fr44 serve a similar purpose in florida: to verify to the state department of motor vehicles that the affected drivers/vehicle owners carry liability insurance, and are not driving around uninsured (in the case of sr22) or with insufficient liability insurance (in the case of fr44).Both are forms that your insurance company files with the florida department of motor vehicles that verify that you have the required insurance coverage in place. Both forms also affirm to the state dmv that the insurance carrier will notify the state if your insurance company lapses.Florida will also add your name to the national registry. This will make it impossible to get a license issued out of state unless you obtain the required level of coverage required in florida.

If you have an sr22 or fr44 requirement, and your insurance lapses or is cancelled for non-payment or any other reason, the insurance company will notify the state of florida. In turn, the florida dmv will quickly suspend your drivers’ license.


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