If you’re in Florida and don’t own a vehicle, you may still need insurance coverage while driving someone else’s car. That’s where Florida non-owner FR44 insurance comes in. This type of insurance policy provides liability coverage while you’re operating another person’s vehicle. For instance, if you borrow a friend’s car and get into an accident that causes bodily injury or property damage, a non-owners policy with FR44 coverage can protect you from financial liability. It’s important to note that named non-owner policies do not offer coverage for vehicles that you own or regularly operate.

However, if you buy a car or operate a specific vehicle on a regular basis, you’ll need to get an FR44 filing on that vehicle. While most non-owner policies don’t include personal injury protection (PIP) coverage, uninsured/under-insured motorist coverage can be added to provide further protection. In Florida, you may be required to have non-owner FR44 insurance if you’ve received a DUI and don’t own a vehicle. This is to ensure that you have coverage in case you injure someone while driving a non-owned vehicle. So, if you’re in this situation, make sure you get the right insurance coverage with Florida non-owner FR44 insurance