If you do not own a car, nor are in a situation where you could be placed on a policy for a car you would regularly drive, than you should be able to get a non-owner auto insurance policy with the limits required by the FR-44 filing.

The FR-44 is used currently in Virginia and Florida. In Virginia the VA Department of Motor Vehicles (DMV) notes that the FR-44 certification has been required since January 1, 2008 for the following convictions:

• Maiming while under the influence
• Driving while under the influence of intoxicants or drugs
• Driving while the driver's license has been forfeited for a conviction, or finding of not innocent in the case of a juvenile
• Violation of the provisions of any federal law or law of any other state or any valid local ordinance similar to the above

FR-44 liability insurance coverage limits are double the VA SR-22 insurance coverage limits and are 50/100/40 which stands for:

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

The new FR-44 double minimum coverage requirements apply to customers convicted of the above violations on or after January 1, 2008, as well as customers previously convicted of these violations that are required to file an SR-22 certification beyond December 31, 2008.

The financial responsibility form FR-44 serves as evidence to DMV that above coverages was purchased by the required driver. Individuals are responsible for purchasing the required insurance coverage and having their insurance company file the FR-44 form with DMV. If DMV does not receive the FR-44 when the person's new policy is issued or when the current policy is renewed, the DMV states they will suspend the person's privileges to:

• Drive
• Register motor vehicles in Virginia
• Obtain decals in Virginia.

In Florida the FR-44 has been required since February 2008. The FL FR-44 has higher limits in the amount of 100/300/50. A driver must have these new required Liability limits (instead of the previously lower limits of 10/20/10) in place on the offense date of the alcohol related offense to not owe a reinstatement fee but will still need to provide the state with an FR-44. If they did not have the required limits a driver who had their license reinstated prior to February 2, 2008, only paid a $15 reinstatement fee. The reinstatement fee on or after February 2, 2008, is now $150, $250, or $500 dollars.

The FL HSMV explains these fees as the reinstatement fee on the first suspension after the law change is $150, a second suspension $250 and for a third suspension $500 dollars. Florida Statute 324.023 is the specific law that speaks about the higher limits required.

Now a Non-owners insurance is coverage to give a motorist liability protection for when they are at fault in an accident but do not own a vehicle. Non-owners policies can typically include Liability, Medical Payments, and Uninsured/Underinsured Motorist coverages.

If you do not own a car nor is there a vehicle owned by anyone in your household that you could use to obtain insurance on and want to get a non-owners policy, you first will need to find an auto insurance carrier that offers this type of policy. Then you will need to meet the underwriting criteria of that insurance provider.

Since insurance companies’ guidelines and underwriting criteria can differ, you will need to find out what the qualifications are for obtaining a non-owners policy from the insurer that offers you this type of coverage. Usually the criteria would at least include not owning a vehicle and having a valid driver's license.

Our website can handle such requirements when you quote and purchase online. If you indicate the above infractions and request an SR-22, we will bump your coverage requirements and after you purchase the policy the insurance company will file the FR-44 on your behalf. You can also call our sales center for assistance at 1-800-964-4849.