FR-44 Auto Insurance for Non-Owner’s

FR-44 (Financial Responsibility Form) also know as a DUI auto insurance is similar to SR-22 that you are required to obtain after certain convictions such as DUI, DWI,  in order to regain your driving privileges.

Non-owners FR-44 auto insurance is designed to give a motorist liability protection for when they are at fault in an accident but do not own a vehicle. A Non-owners policy may include coverage for liability, medical Payments, and uninsured/underinsured motorist.

If you do not own a car, or are not in a situation where you can be placed on a policy for a car you regularly drive, than you qualify for a non-owner auto insurance policy with the limits required for an FR-44 filing.

The FR-44 is used currently in Virginia and Florida. In Virginia the FR-44 Liability insurance coverage limits are as follows:

  • Bodily injury/death of one person $50,000
  • Bodily injury/death of two or more persons $100,000
  • Property damage $40,000

Florida’s FR-44 has higher limits in the amount of 100/300/50 which stands for:

  • Bodily injury/death of one person $100,000
  • Bodily injury/death of two or more persons $300,000
  • Property damage $50,000

Non-owner car insurance is not a specific type of insurance, but rather refers to all the possible policies for individuals who rent automobiles or drive the cars of family and friends.

With the rising cost of fuel, automobiles and insurance these days, many people are foregoing vehicle ownership completely and taking public transportation to work or school or participating in carpools.

When they really need a car, they simply borrow one from a friend or family member or rent one from a local rental agency.

That’s where non-owner car insurance comes in. For those who only drive occasionally and don’t own a car, non-owner car coverage provides insurance in the driver’s name and protects against:

  • Liability (financial responsibility when you hurt someone else)
  • Uninsured/underinsured motorist protection
  • Personal Injury Protection (PIP)
  • Medical payments coverage

Considered very basic insurance, it does not cover:

  • Comprehensive or collision damage
  • Towing reimbursement
  • Rental reimbursement