Car Insurance

How to Get Car Insurance with a Suspended License?

This is a question that many ask whether or not it is possible to get car insurance with a suspended license.  Well honestly speaking you can easily get hold of the insurance, however, it is not really legal to drive without the right working car license. 

Although the number of companies who are ready to venture into this domain is not high, there are good sources that will help you to acquire cheap car insurance for a suspended license

These are usually high-risk insurance covers and hence could be a little tricky to acquire. In most cases, it is the terms of suspension which play a very big role in deciding whether or not you will get insurance for your car.

Will I Get Insurance?

As we have already discussed, it is certainly not impossible to get hold of car insurance with a suspended license, however certainly a tedious process. The first one has to understand that a license suspension is temporarily holding off your license to drive a vehicle. 

Many times it can happen that your license gets suspended due to the inability to show valid insurance and hence it is completely different from the license getting revoked.

Now the most important thing to consider in this case is whether or not you need to go for an SR-22 filing. It is always preferred that you do not have to file this variant as most of the companies do not go forth with SR-22 filings.

An SR-22 has to be filed by the client when the license has been revoked as direct conservation of serious offenses like drunk driving or even causing a car accident with a suspended license and similar others. 

In this case, it becomes mandatory for you to go for SR-22 filing and this makes the process of acquiring insurance a little bit more difficult. Another crucial thing to consider in this aspect is the time frame for which your license has been suspended.

Another trick that might be followed in this case is that in case your license is suspended, you can pass on the insurance to the name of another policyholder who has a functional license. This saves you the time and the effort as well as the extra pennies.

What Is Comprehensive Car Insurance?

It would be unfair to not mention the variant of comprehensive car insurance service when it comes to insurance with a suspended license. The main idea of this insurance is that the provider agrees to provide insurance for your car but only if it is in a non-working state. 

It would include possibilities like theft, a fire, or even external damages like a flood. In that case, most providers insist on the nonusage of your car and it might even require you to sign a bond that proves your legal binding.

Is It Important for you to Get Insurance with a Suspended License?

You might be wondering what is the need of getting insurance if your license is under suspension. But we would like to mention some of the most poignant requirements like:

  • Working car insurance will allow other users to drive your car safely.
  • Even if you are keeping your car parked in your garage it should be protected from unforeseen miseries like accidental damages or natural causes.
  • In case there is a car accident with a suspended license as well as non-renewal of the insurance, your license will be revoked and seized which will debar you from driving the car further.

If you are searching for potent cheap car insurance with a suspended license, the research has to be done so that you cover all the arenas. One great mention in this respect is Alias Insurance and they are known to provide the most comprehensive and budget-friendly options. 

They have been in this industry for quite some time now and have been a respite for all those who want car insurance but have a suspended license.

Christophe Rude
Christophe Rude
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