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FR44 Non Owner Insurance

FR44 Non Owner Insurance

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FR44 Non Owner Insurance

Last updated on December 29th, 2019 by

After a DUI conviction in Florida or Virginia, drivers must file an FR44 non owner insurance certificate for license reinstatement. The FR44 certificate is attached to a non-owner insurance policy and filed with the state DMV. This insurance protects you against liability claims if you’re at fault in an accident when driving a non-owned vehicle.

FR44 non owner insurance is a financial responsibility form required for license reinstatement if you don’t own a vehicle. It is sometimes called named driver insurance or non-driver FR44 insurance. Virginia and Florida are the only states that require an FR44 certificate to be filed specifically for DUI convictions. UltraCar Insurance is a licensed FR44 insurance provider in Florida and Virginia. We’re ready to issue and file your certificate with the state DMV.

Reasons for DUI insurance

You may be required 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 in relation 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 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 on you if you drive a non-owned vehicle. It is secondary insurance coverage. This means that if you cause an accident, your FR44 policy pays claims if they exceed the vehicle owner’s insurance coverage. Non owner FR44 insurance is limited liability 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 driving any vehicle you must have the owner’s permission, and confirm that the vehicle is insured. 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 premiums are significantly higher, because increased minimum liability coverage is required. Your provider will charge a fee to file your certificate. 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:

UltraCar Insurance provides quick FR44 non owner insurance quotes and filing or renewal of your FR44 certificate. Talk with one of our agents if you have questions about your particular requirements, or click to start a quote now.

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