FR44 Insurance After DUI with Accident or Injury Florida 2026 — Enhanced Penalties Guide
FR44 Insurance After DUI with Accident or Injury in Florida — 2026 Guide
A DUI involving an accident, injury, or property damage triggers significantly enhanced penalties in Florida — and much higher FR44 insurance costs. This guide explains exactly how an accident changes your DUI consequences.
DUI Penalty Escalation — Accident vs No Accident
| Factor | DUI Only | DUI + Property Damage | DUI + Bodily Injury | DUI + Serious Injury |
|---|---|---|---|---|
| Charge Level | Misdemeanor | Misdemeanor (1st degree) | Felony (3rd degree) | Felony (2nd degree) |
| Jail Time | Up to 6 months | Up to 1 year | Up to 5 years | Up to 15 years |
| Fine | 00–,000 | ,000–,000 | Up to ,000 | Up to 0,000 |
| FR44 Duration | 3 years | 3 years | 3 years | 3 years (or longer per court) |
| FR44 Monthly Cost | 0–0 | 0–10 | 00–00 | 50–00+ |
DUI Manslaughter — Maximum Penalty
DUI manslaughter (killing another person while driving under the influence) is a second-degree felony in Florida punishable by 4–15 years in prison and a 0,000 fine. FR44 is required for the full 3 years — assuming driving privileges are ever restored, which may not be the case.
Civil Liability + FR44
Beyond criminal penalties, a DUI accident triggers civil liability. The injured party can sue for medical bills, lost wages, pain and suffering, and punitive damages. Florida 100/300/50 FR44 limits may be insufficient for serious accidents — victims can pursue your personal assets beyond insurance limits.