Title: FL FR44 Requirement for Motorcycle Insurance
Hi everyone! I’m currently required to have an FR44 insurance policy in Florida. At the moment, I have a named non-owner FR44. I also own a motorcycle that needs to be insured, and I’m unsure if I need to have the FR44 on both policies since the motorcycle is registered in my name. I know that an FR44 is needed for all registered vehicles, but I’m looking for clarification on how this applies to my situation. Does anyone know the state guidelines regarding this? Thanks!
Hello! In Florida, the FR44 requirement is based on the individual rather than the vehicle. Since you have a named non-owner policy with an FR44 due to a DUI or other serious offense, this typically covers you while driving vehicles not owned by you. However, because you also own a motorcycle that is registered in your name, you will likely need to secure an FR44 specifically for that motorcycle as well.
It’s important to ensure that you are in compliance with state guidelines for all registered vehicles, as the FR44 is supposed to cover any vehicle you operate. I recommend contacting your insurance provider or the Florida Department of Highway Safety and Motor Vehicles to clarify your specific situation. They can provide guidance tailored to your circumstances and ensure you have the necessary coverage. Stay safe!