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
