What Are the Limitations of Non-Owner FR-44?

Non-owner FR-44 insurance policies have some limitations. For starters, the coverage is liability-only. As with non-owner SR-22 insurance, you cannot add collision or comprehensive coverage to this type of policy. That’s because non-owner policies don’t cover vehicles you drive; therefore, they don’t cover rental or commercial cars. Moreover, non-owner insurance coverage prohibits driving vehicles owned by others in your household.

In Florida, non-owner FR-44 insurance certificates are issued for six months, payable upfront. Non-owner policies are also non-cancelable. For underwriting reasons, only the underwriter can cancel the policy during the first 60 days. After that, it remains in force for the entire term, which can be in six or twelve-month increments, which is why you must pay the premium in full.

What is Non-Owner FR-44?

Like FR-44 auto insurance, non-owner FR-44 insurance is only available in Florida and Virginia. It’s a high-risk insurance certificate for drivers who have had their license suspended following a DUI or DWI conviction.

You’ll need a non-owner FR-44 certificate if you want to drive a borrowed vehicle and have reinstated your license after a DUI or DWI conviction. The non-owner FR-44 insurance form is attached to a non-owner insurance policy. Your insurance provider then files the form with your state’s DMV, allowing you to reinstate your driving privileges.

Florida’s minimum liability coverage requirements for non-owner FR-44 insurance are:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $50,000 property damage

However, Virginia’s minimum liability coverage requirements for non-owner insurance differ from those for auto insurance. Non-owner coverage requirements are:

  • $60,000 bodily injury per person
  • $120,000 bodily injury per accident
  • $40,000 property damage
  • $30,000  uninsured motorist bodily injury per person
  • $60,000 uninsured motorist bodily injury per accident
  • $20,000 uninsured motorist property damage

What Does Non-Owner Insurance Cover?

Non-owner insurance is called an operator policy, which is for drivers who don’t own a vehicle. It only covers the policyholder when they drive a non-owned/borrowed vehicle. Non-owner insurance is secondary, liability-only coverage that protects you against vehicle accident claims from other parties. It’s not a substitute or replacement for the primary insurance of a vehicle owner. Non-owner, or No Car insurance has coverage limitations. It does not cover or include the following:

  • Teenage drivers living at home
  • Comprehensive or collision coverage
  • Rental, commercial, or employer-provided vehicles
  • Vehicles owned by others in your household
  • Any car you borrow to drive
  • Injuries to yourself or passengers in the car you’re driving

Drivers who don’t own a car can choose to carry non-owner insurance to be financially responsible. Or drivers can attach a high-risk certificate to a non-owner policy to reinstate their suspended license. UltraCar Insurance provides non-owner insurance in 34 states, with or without an SR-22 or FR-44 filing.

How Does Non-Owner SR-22 Insurance Work?

Non-owner SR-22 insurance is a secondary policy that covers you when you drive a non-owned vehicle. For instance, suppose you borrow a car from a friend and cause an accident. In that case, your friend’s insurance will pay claims up to the coverage limits of their auto policy, provided you have the owner’s permission to drive the vehicle.

SR-22 non-owner insurance coverage starts when accident claims exceed your friend’s insurance coverage. In such instances, your insurance policy will pay those claims.

What is Non-Owner SR-22?

Non-owner SR-22 is similar to SR-22 for vehicle owners. It’s a certificate of financial responsibility attached to a non-owner insurance policy rather than an auto policy. Your insurance provider will file the certificate with the state’s DMV to reinstate your license following a suspension.

How are owner and non-owner SR-22 insurance certificates different? An SR-22 certificate can be attached to a) an auto policy that covers one or more vehicles owned by a policyholder, or b) to a non-owner policy that covers one individual who occasionally drives someone else’s car. If you drive someone else’s car, you’ll need to file this certificate to reinstate your driver’s license.