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.
Why do I need Florida non owner SR22 insurance?
SR22 is a financial responsibility form endorsed to an insurance policy and filed with Florida HSMV. When you don’t own a vehicle, you’ll get a non-owner insurance policy with an SR22 endorsement. You won’t be able to reinstate your license without this filing.
You have to maintain SR22 insurance for a specific time. The insurance company that underwrote your policy monitors it that entire time. If you miss a payment or don’t renew your policy, the insurance company submits an SR26 form to Florida HSMV. The result is another suspension of your license.
Reasons for SR22 insurance
Typical reasons people carry non-owner high risk insurance:
- Accumulating too many points on your driving record
- Driving without a license
- Uninsured or under-insured driving
- Driving with a suspended license
- Child support
- Legal judgment
How does Florida non owner SR22 insurance work?
What is a non owner policy? This type of insurance does not cover a vehicle. Instead, it covers you if you borrow a car to drive on an occasional basis. Non owner insurance coverage has limitations on coverage, and on the kind of vehicles you can drive.
Before driving any vehicle, it’s essential to confirm that the owner has insurance coverage. If you cause an accident, the vehicle owner’s primary insurance pays claims first. If claims exceed the limits of that primary coverage, your non owner SR22 policy covers those.
What if I buy a vehicle?
If you buy a car before completing your SR22 requirement, contact your insurance provider for a quote. If you can afford the increased premium, they will switch you to an owner-operator SR22 policy.
Get more information about Florida license suspensions and reinstatement procedures on the Florida HSMV website.
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