Florida non owner SR22 insurance is required to reinstate your suspended driver’s license and insures you when you operate a non-owned vehicle. To reinstate your driving privileges, you’ll need to file a non-owner SR22 certificate with the Florida DHSMV for license reinstatement.
Why do I need Florida non owner SR22 insurance?
Purchasing SR22 insurance is a precondition for regaining restricted driving privileges. Non owner SR22 insurance is a financial responsibility form that’s attached to a non-owner insurance policy and filed with the Florida DHSMV by your insurance provider. You must keep your Florida non owner SR22 insurance certificate in force for a specified time period required by the state. Your insurance provider monitors your policy during that time to ensure that it doesn’t lapse. Should that occur, your insurance provider will submit an SR26 form to the Florida DMV, which results in re-suspension of your driver’s license.
The most common reasons you may be required to carry non-owner high risk insurance:
- Accumulating too many points on your driving record
- Driving without a license
- Driving without proper insurance or no insurance
- Driving after a suspension
- Child support
How does Florida non owner SR22 insurance work?
What is a non owner policy? Non owner SR22 insurance does not cover a vehicle. Rather, it covers you for unplanned or occasional operation of a non owned vehicle. Non owner SR22 insurance does not cover any vehicles that are owned by anyone in your household. It’s important that you confirm that any vehicle you drive is insured by the owner. If you cause an accident while driving a non-owned vehicle, the vehicle owner’s primary insurance pays claims first. If claims exceed the limits of that primary coverage, your non owner SR22 Florida policy covers those claims.
You will have to carry Florida non owner SR22 insurance for a period of three to five years. If you purchase a vehicle during that time, you must contact your insurance provider with the vehicle information and switch your policy to an owner SR22 insurance policy (see SR22 move to another state for more details).
The Florida DHSMV website has detailed information about Florida license suspensions and reinstatement procedures.
For low Florida non owner SR22 insurance rates contact UltraCar Insurance, a leading company for all your auto insurance needs. Start a quote now, or talk to one of our Florida licensed agents today!