Clifford Schimek has worked in Florida auto insurance for over 30 years, with a deep subspecialty in FR-44 filings for DUI drivers. His agency works with multiple A-rated carriers to provide affordable, compliant FR-44 coverage statewide, with personal, ongoing support through the entire compliance period.
My name is Clifford Schimek, and I’ve spent more than thirty years in Florida auto insurance. Somewhere along the way, FR-44 insurance became a real subspecialty of mine — a focused, deep area of expertise within that broader thirty-year career, not something separate from it. You can read more about that path on CliffordSchimek.com. I provide efficient, compassionate service, which tends to come as a welcome relief to people who’ve just been through one of the more humiliating experiences of their lives.
That compassion comes from somewhere specific. It doesn’t take much to cross the legal threshold for a DUI conviction — a couple of drinks, a long night, bad timing — and people who’ve never been in real trouble suddenly find themselves dealing with a record, a suspended license, and a process they never expected to navigate. I’m also aware that aggressive DUI enforcement provides real revenue for municipalities across Florida, which is part of why these stops happen as often as they do. I’m not interested in lecturing anyone about that. I’m interested in being just as committed to helping these drivers as the system is committed to catching them.
What an FR-44 Actually Requires
An FR-44 isn’t a special type of insurance — it’s a certificate of insurance filing the state requires after certain DUI convictions, confirming that a driver carries higher liability limits than a standard policy. Most drivers need to maintain it for three uninterrupted years from the date of reinstatement. Continuous coverage, exact timing, and clean payment history aren’t optional details — they’re the entire requirement. A single lapse can mean starting that three-year clock over again.
That’s the part people are rarely warned about ahead of time, and it’s the part I spend the most time walking clients through — not just getting the policy written, but making sure they understand what keeps it valid for the full three years.
A Statewide FR-44 Resource
My agency, Florida Auto Plus Insurance, and this site, FR-44.com, exist specifically for Florida drivers, insurance agents, attorneys, and even other insurance companies who need accurate, current information on FR-44 filings. My office is based in Miami, but I work with clients across the entire state — this has never been a local-only practice.
What I try to provide is simple: a low-stress, affordable path through FR-44 compliance, without the runaround. I understand how stressful it can be to find a Florida FR-44 insurance company that offers fair pricing or workable payment plans, which is exactly why I’m appointed with multiple carriers that write FR-44 policies, including Progressive, Kemper, Infinity, Mercury, Foremost, and United, among others.
Why Drivers Call Me
Every call gets the same level of attention, whether it’s someone’s first conversation about FR-44 insurance or a renewal with someone who’s worked with me for years. I shop across several A-rated carriers so I can actually find the best fit for your situation, rather than placing you with whoever’s easiest. You can see what that looks like through my Florida FR-44 insurance quotes page.
I also don’t disappear once the policy is written. I stay involved through renewals, carrier changes, DMV verification issues, and anything else that comes up over the compliance period — because that’s what FR-44 actually requires from an agent. It’s not a one-time sale. It’s a relationship that has to hold up for the full three years, and often longer, since most of my FR-44 clients stay with me well after their filing ends.
If you want to know more about how I work, my reviews and business history are public, and I’d genuinely encourage you to look. You can also read more about my background and approach at CliffordSchimek.com. If you’re dealing with a new or renewing FR-44 policy, I’m easy to reach.
Call or text: 305-796-2968
About the Author
Written by Clifford Schimek — Florida Auto & FR-44 Insurance Expert
I help Florida drivers every day with auto insurance quotes and FR-44 filings. My goal is to make everything simpler and less stressful, no matter where you live in the state. If you ever need help or just want a straight answer, you can always call or text me directly.
Clifford Schimek — Florida Auto & FR-44 Insurance Expert
Call or text: 305-796-2968
Learn More About Cliff
Why Clifford Schimek? – The case for working with me
Florida Auto Plus Insurance – Agency website
Florida FR-44 Information and Guidance – For Florida drivers who need an FR-44 filing
View my Google Business Profile – Reviews and business information