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Have no accidents or violations in the last 3 years.

Don't have a DUI.

Don't need an SR22.

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If your son is being declined by other insurers, he can likely buy insurance through the Florida “high risk pool,” called the Florida Automobile Joint Underwriting Association, or FAJUA.

FAJUA plans are sold through regular insurance agents. FAJUA recommends you contact the agent who sold you the original policy to see if he can sell you a high-risk policy.