What Is FR44 Insurance?

FR-44 & SR22 Insurance

A non-owner SR-22 Insurance and non-owner FR-44 also known as a named-operator liability policy is insurance on you, the driver, for any vehicles you operate that you do not own. FR-44 and SR-22 Insurance policies work as a secondary insurance coverage for anyone in need of a high liability insurance who does not own a vehicle. This type of liability policy is usually written with a state’s minimum coverage limits, except FR-44 Insurance for Florida and Virginia which requires higher limits. For instance, if you were involved in an accident, and you were at fault, the liability insurance would cover only the injury to 3rd parties involved or 3rd parties property damage that occurred as a result of the accident. In order to file a claim for the non-owner insurance you must have exhausted the primary insurance coverage. A non-owners policy does not offer comprehensive and collision coverage for the vehicle you are driving.

An SR-22 insurance or FR-44 insurance filing can be attached to a NON-OWNER policy to satisfy the state’s requirements for license release. This is the only option available in many states if you do not own a vehicle.

Generally, a non-owners insurance is less expensive than a traditional policy with an SR-22 or FR-44 filing.