Cheap Florida FR44 Non-Owner Insurance

Don’t own a vehicle?

Staybull Insurance is one of the largest writers of FR44 non-owner insurance in the State of Florida. Named non-owner FR44 insurance policies will fulfill the FR44 requirement for individuals that do not own a vehicle or have one registered. Please feel free to give us a call or use our live chat feature if you have any questions about this type of coverage. 

Is non-owner insurance right for you?

FR44 non-owner policies are meant to individuals that do not own, regularly operate, or have regular use of a vehicle. If you own or operate a vehicle on a regular basis you should not purchase a non-owner FR44 policy. Furthermore, If you plan on getting a vehicle in the near future you should not purchase a non-owner policy.

What if you are injured in an accident?

Florida FR44 Non-Owner insurance does not include personal injury protection like a regular auto policy. This type of insurance would not provide coverage for medical expenses if you are injured in an accident. In most cases you can add uninsured motorist coverage to a non-owner policy for an additional charge. Uninsured motorist insurance would provide coverage for medical expenses if you are injured by an uninsured motorist.

What does non-owner insurance cover?

Non-Owner FR44 insurance provides coverage for bodily injury and property damage while operating another person’s vehicle. This type of insurance specifically excludes coverage for any vehicle you own, regularly operate or have regular use of. Furthermore, this type of insurance typically excludes vehicles owned by a relative.

Important things to know

Non-owner insurance does not provide physical damage coverage for the vehicle you are operating. Any vehicle you are operating should also be insured under a regular auto insurance policy by whoever owns it. FR44 Non-owner insurance is excess over the regular auto insurance on the vehicle. It is important that you read your policy and speak with your agent to make sure you understand what FR44 non-owner insurance covers.