Florida FR44 insurance scams are exploding in 2026. Ghost brokers, fake filings, bait-and-switch — 7 scams to spot immediately. How to verify your FR44 policy is legitimate and what to do if you're a victim.

FR44 ends after 3 years. But your rates won't drop automatically. Complete guide to transitioning from FR44 to standard insurance — step by step. DHSMV confirmation, rate comparison, recovery timeline, and common mistakes.