FR44 Insurance for DUI and DWI Drivers Is Sensible

The two distinguishing features of FR44 Vehicle Insurance are higher liability limits and exclusively for DWI/DUI drivers. Currently, only Florida and Virginia are using this form in their recent efforts to reduce drinking and driving. It’s a program that has widespread support there, and other countries are likely to adopt it. When it comes to insurance, other states do not distinguish between groups of high-risk drivers as they mandate car insurance of SAR 22 each.

Texas leads the nation in drunk driving accidents and deaths. Texas law enforcement has an equally impressive record of DWI arrests and citations issued. However, it is fairly common everywhere to be stopped as many states and municipalities are aggressively looking for those who drink and drive. Issuing citations and prosecuting these drivers has become big business for municipalities, lawyers, insurance companies, and more. However, enforcement is widely supported because the roads will inevitably become more secure from this activity. Many states may soon consider introducing increased liability limits for DWI/DUI drivers just as Florida and Virginia have done via their FR44 insurance.

A convicted Florida DUI driver must obtain a vehicle insurance policy with a liability limit of 100/300/50 and provide proof via an FR44 certificate filing. Previously, a Florida DUI driver only had to carry a 10/20/10 limit as evidenced by the SR22 insurance file. In Virginia, the FR44 liability limits of 50/100/40 for their DUI drivers are double required under the SR22 policy.

For a number of main reasons, the FR44 car insurance policy has been an excellent development in Florida and Virginia. First of all, increased liability limits are an excellent benefit to society as a whole as more insurance coverage means more protection for the aggrieved party. Second, the higher initial premiums for drivers convicted of the increased limits become a deterrent to repeat offending. Usually, the increase in premiums, along with other consequences for drunk drivers, has an overall adjustment effect on their driving habits. These drivers tend to be more careful and actually have fewer accidents and claims as evidenced by their lower loss rates.

When our family-owned insurance agency began writing an increasing number of DUI documents, we were concerned that our insurance companies would find this objectionable. We were very pleased to learn that many companies have good performance numbers with this category of risk and encourage more policies. Over time, these companies compete more and more for DWI/DUI policies at lower rates. There are still plenty of companies that penalize these drivers with high prices and cancellations, so post-quote shopping is important and may be necessary. Car insurance is generally the last step before convicted drivers can get their license back, and it’s often the scariest. Fortunately for them, car insurance does not turn out to be the worst of their consequences.

DUI document holders in Florida and Virginia, upon subsequent renewals, begin to enjoy increased discounts associated with higher liability limits. A good performance in this risk group of safe driving habits translates into better insurance rates. In the long run, these drivers can actually lower their premiums while enjoying higher limits of coverage. This is especially true when a DUI conviction begins to age, the additional cost associated with it diminishes, and it is eventually eliminated entirely. Many drivers, without a DUI conviction, do not have the insight or discipline to maintain high liability limits which leads to reductions that reduce overall premiums.

It’s easy to see that FR44 is a win-win scenario for everyone involved. Society as a whole has a higher level of insurance protection for their citizens, DWI or DUI document holders ultimately pay less for more coverage, insurance companies, attorneys, ticket clinics, etc… they make a profit. And overtime, the DWI/DUI driver’s safer driving habits also translate into improved insurance rates. It seems to me that all states will benefit from the reasonable FR44 insurance programs that I have tested as an independent agent in Florida and Virginia.

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