Case Study
Full Coverage FR44 Case Study Naples, Florida
Profile:
Carlos is a 45-year-old general contractor based in Naples, Florida.
Problem:
After a second DUI offense, he was required by the court to file an FR44 policy before his license could be reinstated. Carlos drives a financed pickup truck for work, and his lender required full coverage to work with minimal interruption.
Solution:
We worked with Carlos to quickly set up a full coverage FR44 policy tailored to his unique situation. This included:
- State-required liability limits for FR44 compliance
- Comprehensive and collision coverage to meet lender demands
- Electronic FR44 filing with the Florida DMV
Because we work with multiple carriers, we were able to offer Carlos options that included monthly payment plans and bundling opportunities.
Result:
Carlos’s policy was issued within hours and his FR44 filing was transmitted to the state the same day. He avoided a forced-placed insurance policy from his lender, saved significantly on his monthly premiums, and was able to return to work with minimal interruption.
“You saved me from having to put my truck in the garage and miss out on jobs. I had no idea there were affordable options for someone in my situation. I was back on the road the next day.”
— Carlos, Naples, Florida