UltraCar Insurance provides high-risk non owner FR44 insurance to drivers with DUI license suspensions in Florida and Virginia. This type of insurance allows people who don’t own a vehicle to reinstate their license after an alcohol or drug-related suspension. Therefore, you may also know it as DUI insurance.
Why do I need auto insurance if I don’t own a car?
Individuals who don’t own a vehicle must purchase Florida non owner FR44 or non owner FR44 Virginia as a condition for license reinstatement following a DUI suspension. UltraCar Insurance is a licensed high-risk insurance agent in these states. We attach the certificate to a non-owner insurance policy and electronically file it with the Florida HSMV or Virginia DMV. To be able to drive after a DUI suspension, you must carry high-risk auto insurance for a specific time without letting the policy lapse. Drivers usually must carry non owner insurance for three years. The company that issues your policy monitors its status closely during that time.
Is Non Owner FR44 insurance expensive?
Driving after consuming alcohol or other drugs increases your chance of causing an accident that results in injury or death significantly. Therefore, you can expect to pay higher premiums for FR44 insurance than non-owner SR22 insurance (which is for license reinstatement after non-alcohol and drug-related suspensions.) Offenses that involve alcohol or drugs are much more serious and thus require higher premiums and minimum coverage. The minimum coverage requirements of non owner FR44 in Florida are $100/$300/$50; in Virginia, they are $50/$100/$40.
Non owner insurance is secondary insurance with liability-only coverage. If you drive a borrowed car and cause an accident, your secondary policy pays claims if they exceed the vehicle owner’s insurance.
Limitations of Non Owner FR44 Policies
- Liability-only coverage. (Collision or comprehensive coverage does not apply since you’re not insuring a vehicle.)
- Coverage only applies to you when you drive a borrowed vehicle on occasion.
- Non owner policies don’t cover household vehicles you can drive frequently.
- These policies do not cover you when driving rental, commercial, or employment-related vehicles.
NOTE: If you own a car, truck, or motorcycle, you’ll need an owner/owner-operator Florida FR44 or Virginia FR44 insurance certificate to reinstate your license after a DUI.
UltraCar Insurance agents are licensed auto insurance providers in Florida and Virginia. We’re here to answer all your questions. So call us today or request an online quote for an affordable rate and same-day filing of your non owner FR44 certificate!
