If you’re in the difficult position of putting your life back together after a DUI conviction, we can help.

Since 2008, Florida has required that drivers who’ve been convicted of driving under the influence of alcohol or drugs carry an FR-44.


What is an FR-44?

An FR-44 is a financial responsibility insurance certificate, similar to an SR-22. You’ll need to carry an FR-44 if you’ve been convicted of driving under the influence of alcohol or drugs. Because of this, you’re considered a “high risk” driver and the state of Florida requires you to show financial responsibility by purchasing a car insurance policy with high limit bodily injury and property damage liability, in this case, limits of 100/300/50 ($100,000 bodily injury per person/$300,000 per accident, plus $50,000 property damage). In most cases, you must carry an FR-44 for three years.
As you can imagine, combining high limits with a driver considered high risk can make this type of coverage costly.

We can help

L & M Insurance Group is an independent agency and we have many quality insurance companies to choose from, including companies who can provide you with an auto insurance policy with the higher limits required for an FR-44 filing at a competitive rate. If you’re in Riverview or one of the surrounding communities such as Lithia, Gibsonton, or Wimauma, please give us a call at 813-672-4100, or contact us for a free, no-obligation quote. We’d love to help you make a difficult situation a little easier.

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