FL to OR - Does FR-44 Requirement Follow Me?

[CharlieKelly]

I was convicted of a DUI in 2012 (in Florida). I am done with all of the legal obligations and my license is in good standing, but Florida requires higher car insurance coverage for 3 years after the license suspension. The state requires that you prove this higher coverage with an FR-44 filing.

I am planning on moving to Oregon, so my question is does that insurance requirement follow me to my new state?

I am thinking I will either need to file an SR-22 with Oregon or continue with the higher coverage that FL requires and file an FR-44 with both states.

I know I need to contact the DMVs of both states and my insurance company, but I was hoping someone else had specific experience with this.

Thanks in advance.

 

[BlockO]

what you probably need to do is buy a policy in Oregon from a company who will write out of state filings. I say probably because I don't know the laws in those states. In most cases, this is cheaper than paying for insurance in both states.

It might be a little trickier because you need an FR44 instead of an SR22, but I'm sure it is doable (I know for a fact that Progressive will write it, some other non-standard companies will also). Keep in mind a couple things:

• Oregon doesn't have FR44's. in fact FL and VA are the only two states that have them. But companies can still write out of state FR44's if they choose to do so.
• Oregon's state minimum happens to be higher than having Florida's double the state minimum. (OR is 25/50/20, FL is 10/20/10, so double that would still be less than OR's single).

I'm only familiar with FR44's in VA. I'm not in FL. So laws could be different. Probably the best thing to do is simply call the FL DMV and tell them you're moving, and ask what you need to do to stay in good standing.

 

[Aston001]

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[blue_wynd]

I think BlockO has it right. This question is best answered by calling the DMV directly.

 

[USF3983]

In Florida, they used to be sr-22s, so it might be that in Oregon. When I've dealt with people coming in from out of state, they didn't have plans of ever driving again in the state they came from, so they just went without the filing that their new state doesn't require. It could be rough finding a company that offers out-of-state filings. The only company I deal with in Florida that offers it, is Progressive. I'm guessing because they operate in 49 states.

 

[BlockO]

When I've dealt with people coming in from out of state, they didn't have plans of ever driving again in the state they came from, so they just went without the filing that their new state doesn't require.

the driver has two shots at being lucky. if either the state he/she comes from doesn't bother reporting to other states, or if the state he/she is moving to isn't concerned about info coming in from other states.... then the driver can slide without the SR22 filing.

But because state dmv/bmv's are communicating more with each other than they were in the past, I wonder if that doesn't dry up many of those opportunities?

I only get an out of state sr22 request every blue moon. So I don't know what states report or care about out of state sr22's and what states don't. But I have noticed recently that out of state driving violations are being caught more often on MVR reports than they were in the past, if that's an indicator.

 

[USF3983]

the driver has two shots at being lucky. if either the state he/she comes from doesn't bother reporting to other states, or if the state he/she is moving to isn't concerned about info coming in from other states.... then the driver can slide without the SR22 filing.

But because state dmv/bmv's are communicating more with each other than they were in the past, I wonder if that doesn't dry up many of those opportunities?

I only get an out of state sr22 request every blue moon. So I don't know what states report or care about out of state sr22's and what states don't. But I have noticed recently that out of state driving violations are being caught more often on MVR reports than they were in the past, if that's an indicator.

Yeah that's the only caveat. I figured one day they'd start communicating better.

 

[CharlieKelly]

I am sure Florida communicates with other states the need for higher coverage (FR44) if that is indeed the policy. I have yet to inquire to the FHSMV.

I have been with Progressive since the incident so I don't see any reason I would have trouble getting insurance in Oregon. The actual filing is only a matter of procedure as it's only $25. Maybe more if I have to file in both states. I want everything aboveboard, so I will admit everything when I go to get licensed in Oregon.

Oregon's SR-22 minimum insurance coverage is significantly less than Florida's FR-44 requirement.

Oregon requires:
$75k less per person bodily injury
$250k less per accident bodily injury
$40k less property damage liability

I got a quote for Oregon by Progressive with coverage higher than the minimum SR-22 and I was saving $200/6 months compared to what I have been paying in Florida the last 2 years.

I appreciate everyone's input. I will update the thread when I have a definitive answer from the state.

 

[BlockO]

Oregon's SR-22 minimum insurance coverage is significantly less than Florida's FR-44 requirement.

Oregon requires:
$75k less per person bodily injury
$250k less per accident bodily injury
$40k less property damage liability

those numbers are way off! Not sure who told you that but it's not right.

per Oregon DMV's website: those numers are 25K/50K/20K. not 75K/250K/40K.

and oregon's state minimum is slightly more than florida's double-state minimum, not less.

In any event, you should be fine. and you will not need the sr22 in OR, you just need it for florida.

 

[CharlieKelly]

If you'll reread my previous post I said that Oregon requires 'less' those amounts than Florida FR-44. I'm sure I could have phrased that better.

Florida requires $100K/$300K/$50K (FR-44)

Oregon requires $25K/$50K/$20K (SR-22)



(Not sure how I arrived at 50k minus 20k equaling 40k. I did this research a few weeks ago and copy/pasted....)


But if these are accurate required coverages I don't understand what you mean by Oregon's state minimums being slightly more than Florida's? Unless you are just referring to non-FR-44 minimums.

BTW, FR-44 level coverage in FL is way more than double the FL state minimum.