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Can I obtain an FR-19 without having a car?


The FR-19 form is used in some states, primarily Delaware and Maryland, as proof of insurance. In Delaware it is called the Insurance Certification Form, FR-19. The FR-19 is a certification that the vehicle has been continuously insured since the verification date and that coverage is presently in force.

In Maryland normally when you register or renew a vehicle registration, you must sign an insurance certification. Your signature acknowledges that the minimum vehicle liability insurance will be maintained throughout the registration period and the vehicle will not be driven without insurance.

If you do not own a car you can still obtain insurance and an insurance certification (Form FR-19). State use the FR-19 form is used to verify automobile insurance coverage has been put in place or was in place during certain periods of time.

In MD and DE you should be able to obtain a named non-owners policy that will provide coverage for you when you operate vehicles owned by others if you do not own your own vehicle on which to place insurance upon. The Maryland Insurance Regulator says keep in mind, though, that the coverage provided under this type of a policy will be for the minimum limits required by the State.


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