When you have a license suspension after a DUI conviction and don’t own a vehicle, you’ll buy FR44 non owner insurance in Florida for reinstatement. When eligible for license reinstatement, you must choose an FR44 insurance provider to issue and file your certificate with the state.
Can I get liability Florida FR44 insurance without a car?
Yes, liability Florida FR44 insurance is the same as FR44 non-owner insurance in Florida.
Does non-owner FR44 insurance have restrictions?
Non owner insurance coverage has several limitations. Understand that non owner FR44 insurance insures you, not a vehicle. It does not cover you when driving a car owned by someone in your household or any vehicle to which you have regular access.
How much does Florida non-owner FR44 insurance cost?
DUI insurance costs in Florida can vary depending on your age, area (zip code), and the number of violations you have. Rates may also vary between insurance providers.
Why is the cost of Florida DUI insurance so high?
Several factors contribute to the high cost of Florida DUI insurance policies. Florida’s no-fault law requires higher liability coverage of 100/300/50. Fraudulent claims arise from the no-fault law, which increases insurance rates overall in the state. The high number of claims after hurricanes and other weather events also contributes to the high cost of Florida FR44 insurance.
Can I pay monthly for my insurance policy?
Yes, you can make non-owner FR44 payments monthly. Florida recently changed the payment requirements, no longer requiring six months to be paid in full.
Can I cancel a Florida FR44 non-owner policy after it’s issued?
No. Florida Statute 627.7275 requires the policy to be issued and maintained for at least six months. During the first 60 days, only the underwriter may cancel the policy for specific underwriting reasons. After 60 days, you cannot cancel the policy for any reason during the remainder of the term.
If I own a vehicle, can I file a non-owner FR44 certificate and get separate insurance on my car to save money?
No. You can’t purchase a non-owner insurance certificate in Florida if you own a vehicle registered in your name. If you own a car, truck, or motorcycle, you must file an owner-operator Florida FR44 certificate. Rates for an FR44 policy with a car can be 2-5 times higher than for a non-owner FR44 policy.
Talk with a licensed UltraCar Insurance agent for a free, no-obligation consultation about FR44 non-owner insurance in Florida.
