i co-sign loan for a car. i am f44 person. do i need to have f44?

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Asked July 31, 2018

1 Answer


Yes, however not because you co-signed for the auto loan. In the state of Florida you are required to obtain FR44 non-owners insurance whether or not you own or drive an automobile. This is required to enable you to have your drivers license reinstated by the DMV. You stated you are a f44 person so I am unsure if you already have FR44 insurance in Virginia which is the only other state that requires it. If so, do not cancel or change your current policy until you contact the Florida DMV to change your address on your drivers license. If you are moving to Florida from Virginia you must change your address with the DMV within 30 days to avoid possible fees and penalties.

Additionally, something to be aware of is that as a co-signer of an auto loan you are not required to have an auto insurance policy. However, as a co-signer you are responsible, in part, for the person that drives the automobile and any damages that may be incurred. You'll want to therefore ensure that the driver has the required insurance continually.

Answered August 2, 2018 by fl_pc

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