If you are required to carry FR-44 insurance in Florida after a DUI or alcohol-related offense, it is important to understand exactly who is covered under your policy. Many drivers assume that FR-44 coverage automatically applies to everyone listed on the policy, but that is not always the case.
This guide explains how FR-44 insurance works in Florida, whether it covers every driver on your policy, and how White Chip Insurance helps ensure you stay compliant without unnecessary risk.
FR-44 insurance is a certificate filed by your insurance company with the Florida Department of Highway Safety and Motor Vehicles. It proves that you carry higher-than-standard liability coverage after a serious offense, most commonly a DUI.
Unlike standard auto insurance, FR-44 policies require significantly higher liability limits and strict continuous coverage with no lapses.
The FR-44 filing applies specifically to the driver who was convicted of the DUI or alcohol-related offense, not automatically to every driver listed on the policy.
The filing is tied to the individual’s driving record and license, not the vehicle or the household.
FR-44 insurance does not automatically extend FR-44 requirements to every driver on the policy. However, coverage rules depend on how the policy is structured.
Here is how it typically works:
Even though other drivers are insured, the presence of an FR-44 driver often raises the overall premium.
Even though the FR-44 filing applies to one driver, insurers price the entire policy based on risk. Adding an FR-44 driver to a policy can result in:
This is why some households choose to separate policies.
In many cases, yes. Separating the FR-44 driver from other household drivers can help:
White Chip Insurance can compare combined vs separate policies to determine which option is more affordable.
If another driver on the policy causes an accident:
If the FR-44 driver causes the accident, the impact is typically much greater.
If you do not own a vehicle, a non-owner FR-44 policy covers only the named driver when driving vehicles they do not own. It does not extend coverage to other drivers.
Non-owner FR-44 policies are often the most affordable option when applicable.
White Chip Insurance helps avoid these mistakes.
White Chip Insurance provides free assistance by:
Their licensed agents ensure you meet legal requirements without paying more than necessary.
FR-44 insurance in Florida applies to the driver required by the state, not automatically to every driver on the policy. However, having an FR-44 driver on a policy affects pricing, coverage structure, and carrier options for the entire household.
White Chip Insurance helps Florida drivers structure FR-44 policies correctly, minimize costs, and stay compliant throughout the filing period. With expert guidance and free assistance, you can protect your license and your budget at the same time.
No. The FR-44 filing applies only to the driver required by the state, but premiums and liability limits affect the entire policy.
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