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Root offers optional UM/UIM coverage in Florida to help pay for eligible injuries when the at-fault driver has no insurance or not enough coverage. Insurers in Florida must offer this coverage, so if you don’t want it, you’ll need to reject it in writing. 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Florida drivers convicted of DUI may instead be required to file an FR-44, which certifies higher liability limits than a standard SR-22.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"An SR-22 is not insurance, but a certificate your auto insurer files to prove you carry the state-required minimum coverage. 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