Filing
How the FR44 reaches the DHSMV, how fast, and what you do and don't have to file yourself.
7 answers
Want the full write-up? How FR44 filing works
How do I start filing my Florida FR44?
Starting is the part people overcomplicate. You call us or you fill out the short form. We need your license information, the violation, whether a vehicle…
What does the DHSMV receive when my FR44 is filed?
The DHSMV receives an electronic FR44 from your carrier. It is a digital transmission, not a folder of paper you drop on a…
If you file my FR44 the same day, is my license back the same day?
We file the FR44 electronically the same day you purchase the policy. That part is true. What is not true is the version some sites sell, where the…
Do I have to mail an FR44 form to the DHSMV?
No. You should not be mailing an FR44 to Tallahassee if you are working with a carrier that files…
Can I file the FR44 myself without an agent?
You cannot file a valid FR44 as a private person the way you drop a form in a mailbox. The insurance carrier has to transmit it to the DHSMV. No policy…
Can one FR44 policy cover multiple vehicles or other drivers in my household?
Multiple vehicles, yes. Multiple drivers with their own FR44 requirement,…
Can an FR44 be added to my current insurance policy?
Sometimes. It depends on two things: whether your carrier files FR44s at all, and whether your current policy already carries the limits Florida…
Still need an answer for your own case?
Every FR44 situation has details a page can't cover. Tell us yours and we'll shop it across our carriers and file the same day you buy.