When licensed drivers don’t own a car, violations they commit while driving a borrowed car can result in license suspension. When this happens, they must obtain non owner SR22 FR44 insurance to reinstate their driving privileges. As a condition for license reinstatement, states require non-vehicle owners to get a non-owner insurance policy with an SR22 or FR44 certificate attached. They file the certificate with the state DMV as the final step to restore their driving privileges.
Limitations and restrictions
There are coverage limitations and vehicle restrictions on policies for non-owning drivers. Non-owner insurance provides liability-only coverage for one person – you, the policyholder. Coverage is for driving a non-owned vehicle on an occasional basis. Non-owner insurance policies do not cover the following:
- Operating household vehicles to which you have regular access.
- Driving rental, commercial, or employment-related vehicles.
- Insurance providers do not sell non-owner insurance as cheaper, alternative coverage for teen drivers in a household.
Non Owner SR22 Insurance
Most states require an SR22 non owner insurance certificate for license reinstatement by people who don’t own a vehicle. In addition, the SR22 certificate is for non-alcohol and alcohol or drug-related offenses. UltraCar Insurance offers non owner SR22 insurance in 34 states:
- North Dakota
- Rhode Island
- South Carolina
Non Owner FR44 Insurance
When you don’t own a car or other vehicle in Florida and Virginia, you’ll need SR22 insurance to reinstate your license after a non-alcohol and drug-related suspension. However, for alcohol or drug-related license reinstatement, you’ll require DUI insurance without a car (FR44 non owner insurance).
Non-Owner’s Insurance Without An SR22 or FR44 Filing
You can buy a non-owner insurance policy without an SR22 or FR44 filing. Sometimes, people who don’t own a vehicle buy non-owners insurance to avoid out-of-pocket expenses if they cause an accident. If you’re at fault in an accident while driving a borrowed car, it’s wise to have liability insurance coverage. Non-owner insurance coverage is not a substitute for a vehicle owner’s insurance; it supplements the insurance on the vehicle if needed. Carrying non-owner insurance also provides evidence of continuous coverage, showing the person is financially responsible.
In North Carolina, the state requires drivers to purchase North Carolina non owner insurance to obtain a new driver’s license.
More About Auto Insurance for Non-Owners
The articles below outline additional information related to this topic:
- SR22 and Ignition Interlock
- Non owner SR22 insurance companies
- Cheap Non Owners SR22 Insurance
- What is non owners SR22 insurance?
- I have no car but need SR22 insurance
- SR22 insurance quotes without a vehicle
- Non driver insurance
- What is a non owner policy?
- Cross-State SR22 Insurance
- Virginia Non Owners Insurance
- Florida Non Owner FR44
- What happens to my FR44 if I move out of state?
- Differences between non-owner SR22 & non-owner FR44 insurance
- Late SR22 payments during the pandemic
UltraCar Insurance specializes in high-risk insurance policies and certificate filings. Our agents are licensed in 34 states and know each state’s insurance requirements. Click to start a low-cost non owner SR22 FR44 insurance quote, or call us today!
Non-Owner SR-22 & FR-44 Insurance FAQ
Non-owner SR-22 is similar to SR-22 for vehicle owners. It’s a certificate of financial responsibility attached to a non-owner insurance policy rather than an auto policy. Your insurance provider will file the certificate with the state’s DMV to reinstate your license following a suspension.
How are owner and non-owner SR-22 insurance certificates different? An SR-22 certificate can be attached to a) an auto policy that covers one or more vehicles owned by a policyholder, or b) to a non-owner policy that covers one individual who occasionally drives someone else’s car. If you drive someone else’s car, you’ll need to file this certificate to reinstate your driver’s license.
Non-owner SR-22 insurance is a secondary policy that covers you when you drive a non-owned vehicle. For instance, suppose you borrow a car from a friend and cause an accident. In that case, your friend’s insurance will pay claims up to the coverage limits of their auto policy, provided you have the owner’s permission to drive the vehicle.
SR-22 non-owner insurance coverage starts when accident claims exceed your friend’s insurance coverage. In such instances, your insurance policy will pay those claims.
Non-owner insurance is called an operator policy, which is for drivers who don’t own a vehicle. It only covers the policyholder when they drive a non-owned/borrowed vehicle. Non-owner insurance is secondary, liability-only coverage that protects you against vehicle accident claims from other parties. It’s not a substitute or replacement for the primary insurance of a vehicle owner. Non-owner, or No Car insurance has coverage limitations. It does not cover or include the following:
- Teenage drivers living at home
- Comprehensive or collision coverage
- Rental, commercial, or employer-provided vehicles
- Vehicles owned by others in your household
- Any car you borrow to drive
- Injuries to yourself or passengers in the car you’re driving
Drivers who don’t own a car can choose to carry non-owner insurance to be financially responsible. Or drivers can attach a high-risk certificate to a non-owner policy to reinstate their suspended license. UltraCar Insurance provides non-owner insurance in 34 states, with or without an SR-22 or FR-44 filing.
Like FR-44 auto insurance, non-owner FR-44 insurance is only available in Florida and Virginia. It’s a high-risk insurance certificate for drivers who have had their license suspended following a DUI or DWI conviction.
You’ll need a non-owner FR-44 certificate if you want to drive a borrowed vehicle and have reinstated your license after a DUI or DWI conviction. The non-owner FR-44 insurance form is attached to a non-owner insurance policy. Your insurance provider then files the form with your state’s DMV, allowing you to reinstate your driving privileges.
Florida’s minimum liability coverage requirements for non-owner FR-44 insurance are:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $50,000 property damage
However, Virginia’s minimum liability coverage requirements for non-owner insurance differ from those for auto insurance. Non-owner coverage requirements are:
- $60,000 bodily injury per person
- $120,000 bodily injury per accident
- $40,000 property damage
- $30,000 uninsured motorist bodily injury per person
- $60,000 uninsured motorist bodily injury per accident
- $20,000 uninsured motorist property damage
Non-owner FR-44 insurance policies have some limitations. For starters, the coverage is liability-only. As with non-owner SR-22 insurance, you cannot add collision or comprehensive coverage to this type of policy. That’s because non-owner policies don’t cover vehicles you drive; therefore, they don’t cover rental or commercial cars. Moreover, non-owner insurance coverage prohibits driving vehicles owned by others in your household.
In Florida, non-owner FR-44 insurance certificates are issued for six months, payable upfront. Non-owner policies are also non-cancelable. For underwriting reasons, only the underwriter can cancel the policy during the first 60 days. After that, it remains in force for the entire term, which can be in six or twelve-month increments, which is why you must pay the premium in full.
This article was last updated on February 20th, 2024 by UltraCar Insurance