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Can I Get Car Insurance With a Suspended License?
Drivers licenses get suspended for many reasons, and not all of them are bad driving. Your license can even get suspended if you have too many unpaid tickets or are caught driving an uninsured vehicle. It’s a major inconvenience to have a suspended license because you won’t be able to drive to all the places you need to go. You can’t get to work without taking the bus, you can’t easily get groceries while riding a bike, and of course, you will have a hard time getting car insurance since you’re not even supposed to be driving.
Don’t try to hide the truth from insurance agents if you are trying to buy insurance without a license. Most auto insurance agents will need to verify your license before selling insurance, depending on the state you are in. Just make sure your car is covered as you need it, and get your license back in working order ASAP.
If you can’t even drive, why would you want to have car insurance? Well, there are actually a few reasons.
1. Car Insurance Lapses Can Lead to Higher Rates
If you let your car insurance lapse when your license gets suspended then you might find yourself with even higher prices when you finally get it back and reinstate your insurance. You can already expect your rate to go up, as a license suspension does mark you as higher risk to car insurance companies, so you want to do everything in your power to make sure it stays as low as possible. That means having no lapses on your record.
2. If You Have a Hardship or Restricted Licence
A hardship or restricted license is a type of driver’s license that is still a bit of a punishment, but doesn’t make it impossible to live your life. You will be able to drive to work, to school if applicable, and to medical appointments. You may also be able to take a family member to their medical appointments if they can’t do it themselves. Since you will be driving your car in this instance, you will definitely need auto insurance coverage. You don’t want to be driving around uncovered because you never know what could happen.
3. To Insure Driving Family Members
Even if your license is suspended, your other household members hopefully still have their driving abilities. You can get insurance for them so that if they have to drive you anywhere, everyone will still be covered. As you will now be a high risk driver, it would be better to have another family member simply purchase the insurance in their name, as a potential money saving measure. You can even be listed as a person on the policy, as long as someone else is the primary driver. You would most likely have to be listed as a non-driving policyholder if your license is suspended, but it’s better than nothing.
4. Comprehensive Coverage for Storage
Say you put your car in the garage while your licence is suspended, but then a tree falls on the garage and wrecks the car. You would sure wish you had car insurance then. You can purchase non-operational auto insurance to cover the car even if you don’t plan on driving it, and it’s a really good idea. It will likely be a cheaper than coverage for a car you would be driving as a high risk driver. Some homeowner’s insurance may cover your car if it’s in the garage, but this would not be applicable for renters or anyone who doesn’t have that type of coverage on their homeowner’s insurance plans.
Getting Your License Back
Getting your license back depends on your state. Some states give you no recourse, you just have to wait until the period of suspension is over. Other states may allow you to take a defensive driving course in order to lessen the period of time. The one thing that will be true for everyone is that you will need to get car insurance as soon as you get your license back. Your rates will be higher due to the suspension, but some car insurance companies will give you a discount for maintaining a good driving record for a certain period of time, so relief may be in sight. You can redeem a mistake that got you suspended in the first place by making sure to be a good driver from here on out!