FR44 Non-Owner Policy in Naples – Michelle

Michelle, a 32-year-old dental hygienist living in Naples, Florida

Michelle was

Michelle was convicted of a first-time DUI after borrowing a friend’s car for an evening event. With no vehicle of her own, she was shocked to find out that the Florida DMV still required her to file an FR44 policy to reinstate her driver’s license.

Most of the insurance options she found were geared toward vehicle owners — requiring full coverage, VIN numbers, or even vehicle inspections. Michelle felt stuck.

After reaching out to our team at FR44 & SR22 Insurance Experts, we explained the differences between Owner and Non-Owner FR44 policies and assured her she could still become compliant without owning a car.

We set her up with a Non-Owner FR44 policy tailored for her specific needs:

• No vehicle required
• Immediate electronic FR44 filing with the Florida DMV
• Monthly payments available to avoid large upfront costs

We also ensured she understood her responsibilities under Florida law — such as maintaining continuous coverage for three years to avoid future suspension.

Michelle’s policy was issued the same day, and the FR44 was electronically submitted to Tallahassee that afternoon.

• Her license was reinstated within 48 hours
• She saved an estimated $300/year by avoiding unnecessary vehicle coverage
• She now uses Uber and short-term rentals when needed, while staying fully compliant with FR44 laws