When people in Florida and Virginia need to reinstate their license, they often ask, what’s the difference between SR22 FR44 insurance? These are the only states with two types of license reinstatement certificate. An SR22 insurance certificate is for non-alcohol related motor vehicle violations. The FR44 insurance certificate is for DUI or DWI violations.
What’s the difference between SR22 and FR44 insurance?
To reinstate your license in Florida or Virginia, you’ll need to know the difference between SR22 and FR44 insurance. These are the only two states that require different certificates for DUI violations and non-DUI offenses. You’ll file an SR22 certificate for motor vehicle violations not involving alcohol or drugs. You’ll need to file an FR44 form for alcohol or other substance-related DUI violations.
Cheapest Florida Non Owner SR22 Insurance
When you’re looking for the cheapest Florida non owner SR22 insurance possible, there are quite a few factors that will determine your rate. However, if you don’t own a car your SR22 rate will be less than if you had to insure a vehicle. Non owner SR22 insurance covers you, not a particular car. So some of the vehicle-related factors that determine your rate are eliminated.
UltraCar Insurance will help you find the cheapest Florida non owner SR22 insurance for your needs. Your rate for Florida non owner SR22 insurance depends on the reason for your SR22 requirement, among other factors like:
Florida SR22 Paid In Full Insurance
After a no-insurance license suspension (not related to DUI), you’ll have to file a Florida SR22 Paid in Full certificate to reinstate it. You’ll need to contact a trusted SR22 insurance provider in Florida to buy the insurance if you own a vehicle (owner SR22) or if you don’t own a car (non- owner SR22). Paid In Full policies are also called Florida Non-Cancelable SR22 insurance. They have a six or twelve-month term and require payment when underwriting is complete.
In accordance with Florida Statute 627.7275, Florida drivers with a non-DUI, no-insurance license suspension must purchase Florida SR22 Paid in Full insurance for license reinstatement. This type of policy is non-cancelable, with a term of at least six months, and is payable in full.
Florida No Car Insurance
To get your license reinstated when you don’t own a vehicle, you’ll have to buy Florida no car insurance. Otherwise known as non-owner insurance, this type of policy can have an SR22 endorsement, or it can stand on its own. If the state requires you to have SR22 insurance, your insurance provider files the certificate with Florida HSMV. The SR22 filing allows you to reinstate your license and continue to drive, as long as you keep the SR22 policy current.
Florida no car insurance is for people who don’t own a vehicle and have to file an SR22 financial responsibility form for license reinstatement. UltraCar Insurance provides competitive Florida non-owner SR22 quotes and quick filing of your non-owner SR22 certificate.
SR22 Insurance Florida
Filing a high-risk SR22 insurance Florida certificate with the state will allow you to reinstate your driver’s license after a suspension. This certificate guarantees financial responsibility, which means you will remain insured while you’re required to carry SR22 Florida. You can get high-risk SR22 insurance in Florida if you own a vehicle or not.
SR22 insurance Florida is a high risk insurance certificate you have to obtain to reinstate your license after a suspension. The state of Florida requires all drivers to carry liability insurance coverage on their vehicles. If you fail to comply with the law, the state will suspend your driver’s license. Even if you don’t own a car, you’ll need non owner SR22 insurance to regain your driving privileges after a license suspension.
Florida Non Owner SR22 Insurance
If you don’t own a vehicle, Florida non owner SR22 insurance allows you to reinstate your driver’s license after a suspension. Non owner insurance covers you for liability when you drive a borrowed vehicle. It does not cover damages to the car you’re driving, or to passengers in the car with you. Therefore, be sure the owner insures the vehicle you drive.
The state requires you to carry Florida non owner SR22 insurance as a condition for reinstating your driving privileges after a license suspension. When you don’t own a vehicle, you’ll need to file a non-owner SR22 certificate with Florida HSMV.
