Can U Get Car Insurance With a Suspended License
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UPDATED: Oct 19, 2021
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Here's what you need to know...
- There are a number of reasons that the DMV can suspend your license
- If you have received a notice saying that your license has been suspended, it's important to notify your insurer immediately
- If you're insured through a preferred carrier, the company may set your policy for cancellation once they find out your license is suspended
- If you currently don't have an existing policy, it will be difficult to find a standard insurer who will cover you
- If you don't own a vehicle and you need insurance to get your license back, you can apply for an SR-22 nonowner's car insurance policy and get the liability coverage that you need to satisfy reinstatement requirements
You must have a valid license to operate a motor vehicle in any state. You may not be able to drive a car with a suspended license, but you're still legally able to own one.
Since having a valid license is on the list of criteria that you must meet to qualify for standard insurance, finding a policy after your driving privilege has been put on hold can be difficult.
It's difficult to get cheap auto insurance with a suspended license, but that doesn't mean that it's impossible.
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When will the DMV suspend someone's license?
Driving is a privilege. If you don't earn the privilege to drive and then follow the rules, you're not responsible enough to operate a motor vehicle.
There's only one way to earn your license, but there are several ways that you can lose it.
Some of the common reasons that for license suspensions include:
- Driving under the influence conviction
- Failure to comply with child support orders
- Failure to maintain required insurance
- Failure to appear in court for a moving violation summons
- Presenting fraudulent documentation for driver's license or registration
- Altered use of a driver's license
- Conviction of multiple moving violations within a short period of time
- Failure to pay fines or surcharges as ordered by the court
- Drug-related offenses
- Fleeing from the scene of an accident
- Use of fictitious plates or stickers
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What happens to your auto insurance when your license is suspended?
Insurance companies can't cancel your policy for any reason. All carriers are required by law to have an acceptable reason to cancel your insurance after the policy has already been issued.
While there are very few reasons that a cancellation can be processed mid-term, one of the most common is when a driver on the policy has a suspended license.
Most insurance companies don't actually run your Motor Vehicle Report until your policy is up for renewal. The underwriter won't reassess risk until the report comes back, but that doesn't mean that hiding your suspension is the answer.
Auto insurance companies expect you to notify them when your licensing status changes.
If you choose not to, the company has the right to deny claims that you present.
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Can you keep your insurance with a suspended license?
Since you can technically own a car without a license, it makes sense that some companies are willing to work with your while your license is in a suspended state. After all, the company wants to keep you as a client as long as you're a reasonable risk to insure.
Don't overlook the importance of trying to stop the termination of your coverage.
If you would like to keep your insurance, you can try to work with the carrier to prevent a cancellation. Ask the carrier if you can be excluded as a driver so that they aren't on the line for claims if you chose to drive without a license.
If you have a partner, friend, or family member that you can list as a driver, this might work.
Applying for Insurance with a Suspended License
If your license has been suspended for failing to maintain insurance, getting a standard policy with a suspended license might not be so easy.
Since you have to meet eligibility requirements to secure insurance, you don't have a chance with preferred providers. Some substandard insurers who charge high-risk rates may still insure your car.
It's easy to have your license suspended but getting it back can be a tedious process. To earn your privilege back, you need insurance, but to get insurance, you need a license.
To get around this, you'll need to buy high-risk insurance and add a driver who can legally drive your car to the policy.
You also have to request an SR-22 so that you can file it with the state.
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Can you buy auto insurance with no vehicle?
If your license was suspended for a DUI, you may need to file an SR-22 to reinstate your license. It is difficult when you don't own a car, but not impossible.
Specialty high-risk carriers offer nonowner's insurance with lenient requirements just for people who need SR-22s. The premiums are higher than average, but you will be able to comply with the law.
No matter how difficult it is to get insurance, you should never decide to go uninsured. If you own a car, failing to keep insurance on it because your license is suspended can land you in even more trouble.
If you don't have a policy, make sure to compare rates with some of the best companies in the state.
The quickest way to shop the market is to use an online quote comparison tool that will give you instant personal quotes.
Enter your zip code below to compare car insurance rates from top companies in your area!
Is it possible to find cheap auto insurance for suspended drivers?
- It can be challenging to find cheap auto insurance for suspended drivers, but people don't have to resign themselves to paying the highest prices that some auto insurance companies will charge them
- If drivers don't like the idea of purchasing the auto insurance their states' require of them, they may be able to prove financial responsibility in other state-approved ways
- Shoppers who compare insurance for different driver types will be able to choose the insurance companies that offer them the best quotes for the insurance they are required to purchase
It can be challenging to find cheap auto insurance for suspended drivers, but people don't have to resign themselves to paying the highest prices that some auto insurance companies will charge them.
Therefore, people with suspended licenses don't have to risk driving without auto insurance. Compare auto insurance rates now by entering your ZIP code into our FREE auto insurance quote comparison tool!
Driving Without Auto Insurance
Not every state requires that their drivers purchase auto insurance. This doesn't mean that they don't have to take financial responsibility if they cause injury to someone and/or damage their property.
In tort states, drivers who have been found liable for injuries and damages need to pay the bills for medical care and the repairs.
In no-fault states, drivers will pay for their own bodily injury medical bills, but most states do not have a completely no-fault system.
They can purchase Personal Injury Protection (PIP) insurance for their own bodily injuries, but property damages fall under the tort system.
If drivers don't like the idea of purchasing the auto insurance their states' require of them, they may be able to prove financial responsibility in other state-approved ways.
This can require that people make a large deposit, and not everyone is prepared to do this.
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Refusing to Purchase Auto Insurance
When drivers refuse to purchase liability insurance or prepare to take financial responsibility in other ways, they will have their licenses suspended in most cases. Sometimes, drivers purchase auto insurance but it becomes burdensome to them and they let the policies lapse.
Both of these actions cause auto insurance companies to charge high rates to these people after they have been caught driving without insurance.
Suspended Drivers Are High Risk
People who drive without insurance are high risks for auto insurance companies for at least two reasons:
- They are taking the risk that they will be stopped by law enforcement and discovered to have broken the state's laws.
- They are also risking causing an accident for which they won't be able to take financial responsibility.
Even though a lot of auto insurance companies will either deny a policy for those who have suspended licenses or charge the highest rates, other auto insurance have the capability to offer these people cheaper auto insurance.
They are aware that these drivers have had difficulties in the past, and they are prepared to take these people as clients.
How to Find Cheap Auto Insurance for Suspended Drivers
Finding these cheap auto insurance companies is a simple matter of going to this website's comparison feature and receiving several quotes.
Just enter your ZIP code into our FREE car insurance comparison tool to see what you could save!
The feature will seek the auto insurance companies that have policies for suspended drivers, and they will send them these quotes right away.
Shoppers who make a car insurance comparison will be able to choose the insurance companies that offer them the best quotes for the insurance they are required to purchase.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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DUI Arrests
Another common reason that people have their licenses suspended is after they have been arrested for driving under the influence (DUI).
Their current auto insurance companies discover the DUI arrests, and they are required to raise these clients' rates because they have just become a much higher risk for them.
In some cases, the auto insurance company isn't equipped to offer auto insurance for people arrested for DUI, and they cancel these people's policies.
Provisional Drivers' Licenses
After a suspension due to a DUI, some people regain their driving privileges on a provisional basis. Their driving will be restricted, but they will be able to drive to work and home or any other essential places.
The times that they may drive will be limited, and they won't be able to drive anywhere for pleasure.
People must not drive without auto insurance, especially after they have received a DUI and they need to obtain a provisional license.
Once they receive their cancellation letters, they must purchase DUI insurance from an auto insurance company that sells this type of policy. What these people find very often is that DUI auto insurance policies are highly expensive.
Determining the Risk Level
Deciding how much of a risk people are for an auto insurance company depends, in part, on:
- How likely the person is to cause an accident.
- Whether or not the driver is in the habit of taking very big risks.
Those who have a DUI on their driving records have demonstrated to everyone that they are highly likely to cause an accident. A high number of the fatalities caused during car collisions have involved a driver with a blood alcohol content (BAC) of at least .08 percent.
It is common knowledge that drinking alters people's perception and reduces their abilities to operate machinery, such as a car, to the best of their abilities.
Because people arrested for DUI have shown that they are willing to take the chance that they may injure others so seriously they may cause their deaths, they have proven to auto insurance companies that they are incredible risk-takers, and their insurance rates will be very high.
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Cheap Auto Insurance for DUIs
Some auto insurance companies understand that people can have a lapse in judgment, and they are willing to sell DUI auto insurance policies to help these people comply with the laws so they can reduce their license suspensions.
The comparison feature on this website will also help these people find cheap auto insurance companies that have policies for people with DUI arrests and suspensions.
The Advantage of Comparing Quotes
By comparing quotes, suspended drivers can find the cheap auto insurance they are looking for without having to call insurance company after insurance company.
Make a FREE auto insurance comparison now by entering your ZIP code! It takes very little time for insurance companies to evaluate suspended drivers' needs and quote cheap auto insurance prices.
They will be able to quickly purchase their policies and receive their provisional drivers' licenses in the fastest manner possible.
References:
- https://www.courts.ca.gov/documents/dmv_handout.pdf
- https://www.nh.gov/safety/divisions/dmv/financial-responsibility/insurance.htm
- https://dmv.ny.gov/tickets/suspensions-and-revocations
- https://www.mass.gov/ocabr/insurance/vehicle/auto-insurance/massachusetts-consumer-bill-of-rights-…
- https://www.foxbusiness.com/features/denied-6-foolish-moves-that-destroy-a-car-insurance-claim
- https://www.tdi.texas.gov/pubs/consumer/cb020.html
Related Links
Can U Get Car Insurance With a Suspended License
Source: https://www.autoinsurance.org/can-i-get-auto-insurance-with-a-suspended-license/
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