Florida non owner SR22 insurance is required to reinstate your suspended driver’s license and insures you when you operate a vehicle owned by another person. When your driver’s license has been suspended, but you do not own a vehicle, a Florida non owner SR22 insurance certificate will need to be filed with the Florida Department of Motor Vehicles for license reinstatement.
Florida non owner SR22 insurance does not cover a vehicle; 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. Outside the household, the primary insurance a vehicle owner carries on their vehicle is first to pay claims for an accident in which you are at fault; then your non owner SR22 policy covers any claims that exceed the limits of the primary insurance.
There are various reasons the state may require an individual to carry Florida non owner SR22 insurance. The most common reasons include:
Florida non owner SR22 insurance is a certificate of financial responsibility filed with the Florida DMV by your insurance provider as a condition for reinstating your driver’s license. This certificate must be kept in force for a specified time period determined by the state. Your insurance provider monitors your non owner SR22 policy during that time period to ensure that it does not lapse or cancel. Should that occur, your insurance provider will submit an SR26 form to the Florida DMV, which results in another suspension of your driver’s license.
Florida non owner SR22 insurance is usually required to be carried for a period of three to five years. If a vehicle is purchased during that time, you will have to contact your insurance provider with the vehicle information and switch your policy to an owner SR22 insurance policy.
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