Unfortunately, not all insurers provide insurance to those who are considered to be high-risk drivers. Even when you are categorized as high-risk, this should not stop you from exerting efforts in finding the company that will insure your car. Remember, insurance is a must before you can drive the roads of Florida, so you have to find your insurer who will provide you the appropriate policy, being a high-risk car driver.
Who are considered to be high-risk drivers in Miami, Florida?
- Those who possess bad driving records
- Single individuals are known to be high-risk.
- Those who are found to have already accumulated numerous citations
Insurance companies will charge you a high insurance premium if you are discovered to be a high-risk driver. Likewise, there is a tendency for your insurance to increase if you violate driving rules while driving the roads of Florida. This is why it is crucial to avoid committing driving violations to maintain a low insurance rate that will be easy on the pocket.
DUI Laws in Florida
Florida possesses Driving under Influence and Driving While Intoxicated Laws, or DUI and DWI laws. DUI means impaired driving or driving a vehicle with an unlawful blood-alcohol level or UBAL. If you are a driver, you have to give implied consent to undergo a breath test, correctly, if you suspect being drunk while driving by an official. There may likewise be urine and blood tests to determine the alcohol levels in urine and blood. Other specific tests may be conducted if you are involved in a car accident or are suspected of motor vehicle homicide. The penalty is at least $250 for first-time convictions. In severe cases, when the blood sample indicates a high-alcohol level of at least 0.20, hefty amounts will be fined, which starts at $500 up to $1000. Penalties usually include community services and alcohol-counseling classes. Jail term is a DUI penalty meant for repeat and grave offenders. Usually, it starts with a 6-month term. There are cases that when DUI is categorized as motor vehicular homicide. For instance, if you are a drunk driver and get connected in an accident, injuring your passenger means a grave offense. Jail terms can be as many as 30 years; it depends on the charges.
Florida Sr22 and Fr44 – for those who Committed DUI in the State
If you commit a DUI in Florida, you will have to file both an SR-22 or FR-44. SR-22 is a form that insurers use to ensure that a driver meets state liability limits. Florida car insurers submit this form via electronic means to the State Bureau of Financial Responsibility on behalf of drivers mandated to provide such proof of insurance. The State of Florida needs that you have a minimum liability limit of $10,000 in bodily injury and $10,000 in property damage. Drivers who need to take SR-22 pay more because of the nature of traffic violations. In addition to any extra premium for committing such an offense, you will likewise have to shell out a filing fee of $15 when submitting the SR-22 form. Florida may likewise require you to file a form similar to SR-22, the FR-44, albeit the latter possesses more important minimum liability requirements, which is $100,000 for a personal and $50,000 for property damage. The cost of filing FR-44 is 15 dollars, similarly to SR-22. However, there is an increase in the overall cost of getting insured. It happens because of the traffic violation and increased liability limits.
Ryan Daniel is a car enthusiast, and he has years of experience in the automotive field as an engineer. Now he is also active as an automobile blogger and member of the auto community.