Florida Non Owner SR22 Insurance

An option for people who live in Florida who do not own their own vehicle but still have the need to drive another person's vehicle who have had their driver's license suspended and are eligible for reinstatement will still need to show proof of financial responsibility to the Florida DMV in the form of an SR22 insurance filing. What you will need to do is get what is referred to as a non-owner insurance policy to meet the SR22 filing requirement.

A Florida non-owner SR22 insurance policy is a basic, liability only auto insurance policy that at minimum meets the state of Florida's minimum auto insurance liability limits.

A non owner SR22 insurance policy is a liability only insurance policy that will be written to at least meet the state of Florida's minimum auto insurance liability limits. Once you have taken out a non owner SR22 insurance policy with your chosen Florida insurance provider, they will then complete the SR22 insurance filing process by submitting the SR22 filing to the Florida DMV on your behalf.

All Florida residents who have are required to carry SR22 insurance may apply for a non owner policy. The only requirement that you must meet to qualify for applying for a Florida non owner SR22 policy is that you must not hold title to any vehicle in your own name. If by chance you do hold title to a vehicle in your name and would like to save some additional money on your Florida SR22 insurance by getting a non owner SR22 you will need to transfer the title to any vehicle in your own name to another person. Then at the end of your 3-year SR22 filing period in Florida you can have the title transferred back into your own name.

What does a Florida non-owner SR22 policy cover?

A non owner SR22 insurance policy can only be written as a liability only policy in the state of Florida. Meaning that if you are driving another person's vehicle and get into an accident while driving that vehicle and are found to be at fault in the accident. Your non owner SR22 policy will only cover damages to the other vehicle, up to the limits of your policy, property damage caused during the accident, up to the limits of your policy, medical expense for the other vehicle's occupants, up to the limits of your policy.

The vehicle that you were driving at the time of the accident will not be covered by your non owner's policy since the policy is a liability only policy. you will be responsible for all damages and repair costs for the vehicle you were driving at the time. A non owner SR22 policy will also not cover any medical expenses you incur due to an accident where you were found to be at fault or the medical expenses of any other occupants in your vehicle at the time.

How do I apply for a Florida non-owner SR22 insurance policy?

Applying for a non owner SR22 insurance policy in Florida is quite simple. Just fill out our Florida SR22 insurance quote form like normal and when the agents in your area contact you about your SR22 policy just inform them that you would like them to give you a quote on a Florida non owner SR22 insurance policy.

A non owner SR22 insurance policy is a specialty insurance that not every insurance provider offers. If you were to go out on your own and try and find a Florida insurance provider who offers these types of policies you could literally spend countless hours of your own time searching for a provider and end up not finding one in the end. All of the Florida insurance providers that we work with do non owner SR22 insurance filings. So all you have to do is take a couple minutes of your time right now and fill out our Florida SR22 insurance quote form to receive your non owner SR22 insurance quotes.