Florida Non-Owner FR44 Insurance

Staybull Insurance specializes in Florida Non-owner FR44 Insurance for individuals without a vehicle. We are an independent agency that services the entire State of Florida. If you do not own a vehicle, but need the FR44 filing you may need a non-owners policy. Non-owner policies provide coverage in the event you injure someone or cause property damage while driving a vehicle you do not own or regularly operate. The FR44 filing assures the State of Florida that you are maintaining the coverage required after having a DUI. Our agency has extensive knowledge with FR44 filings and can help you get back on the road as soon as possible. Please feel free to give us a call or use our chat feature if you have any questions.

Florida Non-Owner FR44 Q&A

What is non-owner FR44 Insurance? Non-owner FR44 insurance provides liability coverage for bodily injury and property damage while your operating another person’s vehicle. Non-owner policies do not provide coverage for any vehicle you own or regularly operate. They also do not provide any physical damage coverage for actual vehicle you are operating. It is important to remember that non-owner policies do not provide any PIP coverage if you are injured in an accident.

Why do I need non-owner FR44 Insurance? Since you do not own a vehicle, the State of Florida is requiring you to have a non-owners policy to fulfill the FR44 requirement. The State of Florida wants to make sure that if they are going to reinstate your driver’s license, you have high liability coverage if you injure someone or cause property damage.

How long do I have to carry FR44 Insurance? The FR44 filing is usually required for three years from the date of your original suspension or conviction. You should ask the DMV to be sure of the exact time frame.

How much does non-owner FR44 Insurance cost? Insurance rates vary greatly based on many different factors. Some of these factors include your driving record, the area you live in, and your claim’s history. Non-owner FR44 policies are typically cheap and inexpensive. Unfortunately you cannot make payments on FR44 insurance. Florida state law requires FR44 policies to be paid in full and you cannot cancel an FR44 policy unless you have another FR44 in place or the FR44 filing is no longer required of you.

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Electronic Filing

Your FR44 filing will be submitted electronically to the State of Florida. The process is usually completed within 24-48 hours