Reasons for DUI insurance
You may need to carry FR44 insurance in Florida or Virginia if you have:
- Refused to submit to a breathalyzer or BAC (blood alcohol concentration) test
- Operated a vehicle under the influence of alcohol or drugs, or driving while intoxicated (DUI or DWI)
- Caused injury to or death of another person while operating a motor vehicle
How does non-owner insurance work?
If you don’t own a vehicle, you’ll file a non-owner FR44 certificate to drive legally during your license suspension. Once you’re eligible for license reinstatement, you’ll choose a Florida or Virginia FR44 insurance provider. Individual requirements vary and are related to the seriousness of the offense. UltraCar Insurance is an experienced FR44 insurance provider, licensed in Florida and Virginia. Our agents will help you understand your requirements, provide a quote at the lowest rate possible, and file your certificate. The state will inform you of the duration of your license suspension. You’ll have to carry FR44 non owner insurance during that time. If you let the policy lapse, your insurance provider must notify the state, resulting in the re-suspension of your license.
What does non-owner insurance cover?
FR44 non owner insurance is a certificate attached to a non-owner insurance policy. It provides liability-only coverage for you if you drive a non-owned vehicle. It is secondary insurance coverage. If you cause an accident, your FR44 policy pays claims if they exceed the vehicle owner’s insurance coverage. Non-owner FR44 insurance contains limited, liability-only coverage. It only covers personal injury and/or property damage claims of the other party in the accident. Non-owner insurance does not cover injury to you or your passengers, or damage to the car you’re driving. Therefore, before you borrow a car to drive, you must have the owner’s permission and confirm that they carry proper insurance on the vehicle. See Non Owner FR44 to learn about the limitations of non-owner insurance policies.
What is the cost of DUI insurance?
There are usually many fines, fees, and program costs associated with a DUI violation that you’ll pay to the state. FR44 insurance rates are significantly higher than standard or SR22 rates because of the higher minimum liability coverage they require. Your provider may charge a fee to file your certificate (UltraCar Insurance does not charge a filing fee). Premiums will vary depending on age, location, driving record, claims history, and the reason for filing the FR44 certificate.
For more information, visit our Florida FR44 Insurance and Virginia SR22 FR44 Insurance pages and the articles at the bottom of those pages.
The Florida DHSMV website has information about Florida DUI and Administrative Suspension Laws, and the Virginia DMV website outlines Virginia Driver’s License Reinstatement.
Other articles on our website contain information related to non owner FR44 insurance:
- FR44 Non Owner Insurance Florida – FAQs
- Non Owner FR44 Florida
- Florida Non Owner FR44
- Non Owner FR44 Virginia
- Virginia Non Owners Insurance
- What is a non owner policy?
- What’s the difference between SR22 and FR44 insurance?
UltraCar Insurance provides quick FR44 non owner insurance quotes and filing or renewal of your FR44 certificate. If you have questions about your requirements, please call 888-551-1991 to talk with one of our agents, or click to start an online quote now.
