if my ins. co. doesn’t provide and FR-44 can I keep my current ins. co. and get and FR-44 somewhere else?
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Written by
Jeffrey Johnson
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UPDATED: Aug 18, 2010
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Insurance Question from Cutler Bay, FL
Asked on 08/18/2010
if my ins. co. doesn’t provide and FR-44 can I keep my current ins. co. and get and FR-44 somewhere else? i recently got a DUI and am required to get 100/300 coverage with and FR-44. I have the coverage but my insurance company doesn't deal with FR-44. can I get an FR-44 somewhere else and keep my current insurance provider?
Answer given on August 19, 2010
The short answer to your question is “no”. An insurance company that provides the FR44 is telling the Dept of Motor Vehicles that they are providing liability insurance for a specific driver. If you have your insurance with one company and have another company verify that you are insured.
While many insurance companies do not want to, or like to, provide an FR44, they really have to provide one if you are their insured. While states vary on their laws, the insurance company needs to provide the necessary form. They may be able to cancel your insurance, either now or at renewal due to your ticket, but until they do they need to provide the necessary form.
Please talk to your insurance agent and have them work with the insurance company to provide this form. I do not recommend cancelling your insurance. If the company wants to cancel, have them take the action.
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