Non-owner FR-44 insurance in Florida is a certificate required to reinstate a driver’s license after a DUI conviction. It’s for people who don’t own a car. So, rather than insuring a vehicle, it covers the policyholder when they occasionally drive a borrowed car.
What Is Non-Owner FR-44 Insurance In Florida?
A non-owner insurance policy has an FR-44 certificate endorsed to it. The policy backs up the proof of financial responsibility certificate. When your insurance provider files the certificate with Florida Highway Safety & Motor Vehicles (FLHSMV), it proves you have adequate insurance coverage to regain your driving privileges. If you cause an accident while driving a borrowed vehicle, this policy protects you from claims brought by the other party’s insurance company.
How Does It Work?
A non-owner policy can help cover your liability when you drive an eligible borrowed vehicle with permission. It often pays after available coverage on the vehicle. Which policy pays, and in what order, depends on the policy terms and applicable state law. Ask both insurers to confirm coverage before you drive.
Be aware that non-owner insurance coverage has limitations and restrictions. For instance, it does not pay to repair damage to the car you borrowed. Therefore, before driving any vehicle, ensure the owner has insurance to cover the cost of repairing their car.
If you buy a car: Ask your insurer to move you to a policy that covers your vehicle and coordinate your FR-44 filing so coverage continues.
Costs Associated With Non-Owner FR-44 Insurance
Even if you don’t own a car, getting a drunk driving conviction is still a huge hassle and expense. The cost of coverage for FR-44 insurance in Florida is substantially greater than standard insurance due to the gravity of the violation. The Florida FR-44 non-owner insurance policy now requires a minimum liability coverage of 100/300/50. All FR-44 policies must have the following coverage provisions:
- Personal injury per person of $100,000
- Injuries per accident of $300,000
- Coverage for property damage of $50,000
You’ll also have to pay additional fines and charges in addition to paying for at least three years’ worth of Florida DUI insurance. How much FR-44 insurance costs each individual varies depending on several factors.
- Your blood alcohol level (BAC) at the moment of your arrest determines the specific DUI fines and penalties that apply to you.
- The fines and penalties levied increase with the documented BAC level.
- Check your FLHSMV notice for the fee and steps that apply to your case. For insurance-related suspensions covered by Florida Statute § 324.0221, the fee is $150 for the first reinstatement. Within three years of the first, the fee is $250 for the second reinstatement and $500 for each later one.
- Ask your insurer about the policy term, payment options, and any cancellation restrictions for the policy that supports your FR-44.
How to Get It
UltraCar Insurance is one of Florida’s top SR-22 FR-44 Insurance providers Florida. We offer low rates on non owner FR-44 Insurance Florida and cheapest Florida non-owner SR22 insurance, as well as high-risk SR-22 insurance and FR-44 insurance for vehicle owners. Start an online quote, or contact us today to learn more about our company, insurance plans, and excellent service!
