In Florida, a DUI can leave you needing an FR-44 even if you don’t own a car. The filing follows you as a driver, but buying coverage works differently without a car to list.<\/p>\n\n\n\n
An FR-44 is a certificate your insurer files with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) to prove you carry the required liability limits, rather than a separate policy.<\/p>\n\n\n\n
Those limits are set by law. Under Florida Statute 324.023, an FR-44 must show bodily injury liability of $100,000 per person and $300,000 per accident. Property damage liability must show $50,000. That 100\/300\/50<\/strong> set is far above basic limits, which helps explain the higher cost.<\/p>\n\n\n\n The higher liability requirement applies to the DUI findings and pleas described in Florida Statute 324.023, including qualifying cases after October 1, 2007. An SR-22 is a different certificate and is not interchangeable with an FR-44. Drivers often mix up the names, so read your paperwork for the exact letters. The certificate must match the requirement on your record.<\/p>\n\n\n\n Florida generally requires the higher limits for at least three years, with the exemption tied to three years from reinstatement without a further DUI or felony traffic conviction. Your state letter controls your dates, so use it rather than a general timeline. The insurance route involves both a policy and the insurer’s certificate; the certificate alone does not provide coverage. Ask FLHSMV to explain any dates or conditions in your notice that you do not understand.<\/p>\n\n\n\n Non-owner auto insurance is designed for eligible drivers without a car to insure who may drive occasionally. It provides liability coverage when you drive someone else’s car, subject to policy terms and exclusions.<\/p>\n\n\n\n Eligibility depends on access. Occasional use of a borrowed car may fit, while regular use of a car kept at your address often does not, even with another name on the title. Insurers ask about household cars because access affects eligibility.<\/p>\n\n\n\n That detail matters.<\/p>\n\n\n\n Tell the agent about every car you can use regularly. That includes a partner’s sedan in the driveway and a parent’s truck you borrow weekly for work. Don’t omit one to get a quote through. Undisclosed access can lead to a declined application or cancellation after binding. Underwriting rules vary, so ask what counts as regular access before paying.<\/p>\n\n\n\n Household exclusions need attention too. After a DUI, a family member’s policy may list you as an excluded driver. A non-owner policy does not automatically undo that exclusion. It does not add you back onto the household policy either. Ask how the exclusion interacts with non-owner liability, and get an explanation specific to your household before you bind.<\/p>\n\n\n\n Pull out your suspension letter or hearing order before calling anyone. Look for FR-44 and note the start and end dates shown.<\/p>\n\n\n\n If the order says SR-22, stop. That filing has different limits. Buying an SR-22 when the state wants an FR-44 won’t clear your hold. Buying an FR-44 when you need an SR-22 can mean paying for higher limits than required. This mix-up can waste weeks.<\/p>\n\n\n\n State dates control your timeline. Florida generally sets three years from reinstatement, but your paperwork governs your case. Keep that letter handy through renewal. You’ll need it to time cancellation and answer questions about term length.<\/p>\n\n\n\nWho a non-owner policy fits<\/strong><\/h2>\n\n\n\n
Confirm your requirement before you buy<\/strong><\/h2>\n\n\n\n