Showing all posts tagged "Car Insurance"
If your driver license is suspended then you will face inconvenience. It can also be a reason of stress as without your license you are not authorized to drive your car on the roads. Moreover, when you go to your insurer for renewing the policy they may deny to do so!
Reasons for a Suspended Driver's License
First you must know the reasons that may lead to suspension of your driver license. If you can avoid these your license will not be suspended.
- If you are convicted for driving under influence or have denied to give a breathe analyzer test.
- You are not paying off the traffic tickers
- You are charged for reckless driving
- Your auto insurance coverage has lapsed.
If you can avoid these factors you will be able to continue driving. However, sometimes accidents may happened without your knowledge and your driving license will be suspended.
Getting car insurance with suspended license
When your license is suspended not only your driving is stopped but you cannot get insurance coverage too until and unless you have auto insurance with suspended license. There are many situations when you have to drive like going from school to home and fro. In these cases if there is no insurance coverage then again you are under rage. Thus, you have to look for car insurance with suspended license.
In order to get the car insurance for suspended license you should check out with your current insurance provider. If they agree to continue with the insurance policy you will not have any problem. However, the problem arises when they do not agree to provide you the coverage as now you have become a high-risk driver. In such situation you should shop around for a new insurance coverage that will cover you even during the suspension period.
Sometimes there may be another driver who also drives the car. In such situation you need to maintain the insurance so that that driver can continue driving the car. Now, there is a simple solution that the insurance will be in the name of the other driver. But have you ever thought that then the car’s title will be in the name of other driver! In this case you can try to get a car insurance policy in your name and get the name of the other driver as secondary holder.
Getting non-operational coverage
You may need car insurance suspended license even in another case. That is during the suspension period you may garage the car, but then to there is a problem. Even during the non-operational period your car should be under insurance coverage. If there is a gap in the insurance coverage period then it is bad for the history of your car records.
To wrap up it can be said that due to many reasons you have to continue with an insurance coverage on your car even when you are suspended as a driver.
Posted on August 7th, 2018
Under normal circumstances an insurer would never offer a policy to someone who does not have a driving license. As such, the idea itself might seem like it is a ludicrous one. However, the fact remains that such policies are actually there. You can always buy car insurance without drivers license. As far as the United States of America (USA) is concerned you do need a driver’s license in order to drive around a car legally. However, there are plenty of people in the USA who do drive a car in spite of not having a license at all!
In fact, according to some statistics around 20 per cent of the people who drive a car in the USA do not have a valid license as such. There are also plenty of people in the USA who drive a car in spite of not being insured. In fact, the number is pretty similar to that of drivers without a proper license. It is possible to get car insurance but no license. Coming back to the topic of discussion, auto insurers offer such policies just for the simple reason that the car would be driven around by someone else who has a driver’s license.
The only reason that these people let others drive their car is the fact that they do not have the legal permission to do so. At the same time, insurance is very necessary when it comes to protecting the owner of a car as well as the individual who is driving the vehicle. It also makes sense for the car to be insured just so that people and property affected by the accidents caused by such an unlicensed driver can be properly cared for. This is perhaps the biggest reason as to why one needs to get auto insurance without license.
Posted on May 2nd, 2018