Monic polynomial quotient is finite free ($A[T]/(F)\cong A^{\mathrm{deg}F}$)

For any commutative ring $A$ and a monic polynomial $F$ of positive degree $D$, monic polynomial division over a ring gives unique representatives of degree less than $D$. Thus the classes of $1,T,\dots ,T^{D-1}$ form a basis of a module over $A$. This is a finite free algebra, hence flat, and the map $A\to A[T]/(F)$ is injective. The monic hypothesis makes leading-degree arguments valid even when $A$ has zero divisors.