Florida DUI Car Insurance – Know the Facts
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In Florida DUI car insurance is a must have like many other states. Driving under the influence is a grave offense, one that the law does not take lightly.
Other than being a danger to yourself and others, the consequences of a DUI offense in Florida can be very expensive. Once your insurance company finds out that you have a DUI charge on your record, one of two things will happen. Either your insurance company will increase your insurance premiums to sky-rocketing heights or they will cancel your insurance policy all together.
Florida DUI Laws
Under Florida dui laws, driving under the influence is unlawful for anyone with a blood alcohol level or breath alcohol level of .08% or above. Regardless of the manner in which the offense is proven, the penalties remain the same and are severe.
Fine
For a first time conviction the fine is between $500 and $1000. It is between $1000 and $2000 for those who registered a BAC of .15% or higher, or if there was a minor in the vehicle in the vehicle at the time of arrest. Second conviction ranges between $1000 and $2000 for a BAC level of .08% up to .149% and $2000 and $4000 for a BAC of .15% or greater or if there was a minor in the vehicle at the time. These figures keep increasing further with each additional conviction.
Community Service
For the first conviction, 50 hours of community service is mandatory or a $10 fine for each hour of community service issued by the court that is not worked.
Probation
For the first conviction, total period of probation and incarceration may not exceed 1 year.
Imprisonment
This will range anywhere from up to 6 months to 5 years depending on whether it is a first conviction or a fourth or subsequent conviction.
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Impoundment Or Immobilization Of Vehicle
This may range between 10 days to 90 days depending on the count of conviction.
Florida DUI Car Insurance
After a DUI conviction, to get your license reinstated you will be required to submit a proof of auto insurance along with an SR-22 form with the Department of Motor Vehicles for three to five years. For this, your auto insurance company will submit the SR22 form.
In Florida, SR22 insurance requirements are set by the state, like in any other state. Florida DUI car insurance gives a reinstated motorist the minimum state required coverage to enable him to drive, though the maximum limit for the insurance premium has not been set.
In all states including Florida, DUI car insurance is of three types. For a motorist who does not own a vehicle a non owner's certificate is issued. An owner's certificate is issued to a motorist who has his own vehicle. For someone who has his own vehicle and may also drive someone else's vehicle, an operators-owners SR22 certificate is issued.
SR22 insurance is also known as financial responsibility insurance because it covers the driver's liability to others who may be involved in the accident. It usually covers property damage and any other liability that occurs as a result of an accident the reinstated motorist is involved in. This type of insurance is generally issued by insurance companies that are approved by the state and each has different rates.
In all states including Florida, DUI car insurance is essential for anyone who is convicted of driving under the influence, and to avoid getting caught for driving without auto insurance.
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Nov 7, 2010 @ 11:19 am | delete
- Thanks alot for this lens, though i am new to squidoo this lens is very informative and authoritative too. Hope to read from you next time. Keep it up.
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