For license reinstatement after a DUI, get SR22 and ignition interlock.

SR22 and Ignition Interlock

When you’re eligible to reinstate your license after a DUI conviction, you’ll likely need both SR22 insurance and an ignition interlock device. You’ll need to maintain SR22 insurance for 1-3 years or longer. Most states require installing an ignition interlock device if it is your second or subsequent DUI violation.

Do SR22 and ignition interlock always go hand in hand? No, not everyone who needs SR22 insurance will need to install an ignition interlock device (IID). People with

What is FR44 insurance in Florida and Virginia?

What is FR44?

What is FR44? Florida and Virginia have two separate certificates for license reinstatement. One, SR22, is for motor vehicle violations not related to alcohol or drugs. The other, FR44, is for DUI- related offenses. To reinstate your license after a DUI or DWI conviction, you need to file an FR44 certificate with the state.

What is FR44? In Florida and Virginia, it’s a financial responsibility form you need to buy after a DUI/DWI to reinstate your license. Florida and Virginia are the only states that require this form specifically for DUI/DWI offenses.

States we offer SR22

The states we offer SR22 insurance are listed below, and we file FR44 insurance certificates for DUI offenses in Florida and Virginia. You will need to file an SR22 insurance certificate to reinstate your driver’s license. We’ll find you the cheapest SR22 or FR44 insurance rate for your needs. If you don’t own a vehicle, we write non owner SR22 and FR44 insurance policies in these states (non owner FR44 in Florida and Virginia only).

Non Owner SR22 vs SR22 Insurance
What’s the difference between SR22 and FR44 insurance?

Give us a call if you have any questions about SR22 or FR44 high risk insurance in the states we offer SR22. Our licensed agents are ready to provide competitive quotes and quick filing of your certificate.

Non Owner FR44 Florida

Non Owner FR44 Florida

If you have a suspended license after DUI and don’t own a car, you’ll purchase non-owner FR44 Florida insurance. FR44 is a high-risk insurance certificate that’s filed with the Florida Department of Highway Safety & Motor Vehicles. This filing allows you to regain your driving privileges. In most cases, the state requires you to carry FR44 insurance for three years.

Non-owner FR44 Florida is a certificate you file with the Florida DHSMV to reinstate your license after a DUI/DWI conviction. Your insurance agent endorses the FR44 to an insurance policy. When you don’t own a vehicle, your agent writes a non-owner policy with an FR44 endorsement.

Talk with an agent about FR44 insurance after a Florida Implied Consent violation.

Florida Implied Consent

Florida licensed drivers are obligated to comply with the Florida Implied Consent Law. If an officer asks you to take a breath or other DUI test, you must do so or get a minimum one-year license suspension. To reinstate your license, you’ll need to file a Florida FR44 insurance certificate with Florida HSMV.

The Florida Implied Consent Law requires you to take a DUI test if an officer suspects you of impaired driving. You will lose your license if you don’t comply with this law. The maximum legal blood alcohol level for drivers over the age of 21 is .08. For drivers under age 21, it is .02. BREAK

Refusal to test

When you obtain a Florida driver’s license, you agree to obey all motor vehicle laws, including the Florida Implied Consent Law. You may not know that refusing a lawful request to test will result in an automatic one-year license suspension. A second refusal to provide a breath, urine, or blood alcohol test results in an 18-month license suspension. And if you’ve declined two or more times to take a DUI test, you’ll be ineligible for a hardship license. Many drivers regret putting themselves in this situation, as they later discover they would have been better off taking the test.

More about the Florida Implied Consent Law

You can find more information about the Florida Implied Consent Law on the Florida HSMV website under Florida DUI and Administrative Suspension Laws.

Violating Florida DUI laws results in severe penalties. We urge you to never get behind the wheel if you’re under the influence of alcohol or drugs. There are always alternative arrangements you can make so you and others will remain safe.

When you’re eligible to reinstate your driver’s license, choose UltraCar Insurance to file your Florida FR44 certificate. We’ll issue an owner-operator policy if you own a vehicle, or non-owner insurance if you don’t own a car (non owner FR44 Florida). Talk with one of our Florida licensed agents today or click to start an online quote.

What Is A Non Owner Policy

What is a non owner policy?

Often, an SR22 or FR44 certificate is endorsed to a non owner policy to reinstate your license when you don’t own a vehicle. Non owner insurance covers only you, the policyholder. It provides limited liability insurance coverage when you drive a non-owned car. You can also purchase a non owner policy on its own, without an SR22 or FR44 rider. There are restrictions and exclusions to know about with this kind of insurance.

It may seem strange to buy an insurance policy to drive a car if you don’t own a vehicle, but it’s a wise thing to do. Even if you don’t own a car, truck, or motorcycle, you may sometimes borrow one owned by someone else. If you do, you can be liable for injury or property damage if you cause an accident while driving it. A non owner policy provides secondary liability coverage if you’re in an at-fault accident that injures or causes property damage to the other party involved.

What does a non owner policy cover?

SR22 non owner insurance and FR44 non owner insurance policies have coverage limitations. They cover only you – the person listed on the declaration page. You cannot add other drivers to this policy. This type of insurance covers you when operating any vehicle you do not own (a vehicle owned and insured by someone else). It will cover injury and damage claims brought by the other party or parties in an accident when you are at fault. It does not cover damage to the vehicle you were driving or injury to you or passengers in the car you were driving. You cannot get comprehensive or collision coverage (repairs to the vehicle you were operating) with a non owner policy.

Any vehicle you drive must have owner insurance coverage, the primary insurance. Your non owner policy is secondary insurance. For example, if you borrow your neighbor’s car and cause an accident, your neighbor’s auto insurance would cover damages up to the limits of their policy. Your insurance would provide coverage beyond those limits, if necessary.

Non owner insurance does not cover:

  • A vehicle registered in your name
  • Vehicles in your household
  • Vehicles provided for your regular or frequent use
  • Work-related vehicles owned by your employer
  • Members of your household

Continuous liability insurance coverage

One benefit of having a non owner policy is that many auto insurance companies offer a discount to continuously insured people (no lapses in coverage). Suppose you decide to buy a vehicle in the future. In that case, non-owner insurance provides ongoing, continuous coverage that will help reduce your auto insurance premiums.

If you have a non owner policy and decide to buy a vehicle, please talk with your insurance provider first. You’ll need to switch to an owner/owner-operator policy and pay any additional premium (if applicable). Failure to do this will result in denial of coverage if you have an accident in that vehicle.

When you need SR22 or FR44 non owner insurance coverage, call UltraCar Insurance for a quick quote and low rate from one of our experienced agents. You can also start an online quote now.