Can You Get Car Insurance With a Suspended License?admin
Everybody makes mistakes. A suspended license can serve as a detriment to your life and career, but things will clear up eventually.
What’s important is making sure that you learn from your mistakes and are still squared away with coverage.
One of the most common questions that suspended drivers is whether or not they still have car insurance.
Also, once they’re close to getting back on the roads, can they invest in car insurance while their license is still technically suspended?
Can You get car insurance with a suspended license? Be sure to read this in-depth guide that tackles that question and more.
1. What Happens to Your Insurance When You’re Suspended?
Car insurance companies always find out. You will inevitably lose your car insurance at some point after having your license suspended.
If you were considered a new customer when your license was suspended, the insurance company has 1 to 3 months to perform a background check.
If they find a suspended license during that background check, they can choose whether or not to cancel your policy.
For those of you that are in the middle of your current coverage when the license was suspended, you’ll probably remain covered until the term ends.
Essentially, those that have a suspended or invalid license are considered a high-risk driver.
High-risk drivers can be someone dealing with a lengthy negative driving record, prior PIP claims, or bad credit history.
2. Can You Get Car Insurance with a Suspended License?
In short, the answer is yes. But it won’t be easy. As previously mentioned, as soon as your license has been suspended, you fall into the high-risk driver category.
One of the first things that you need to do is apply for a hardship license, which will allow you to shop around for car insurance.
A hardship license will allow you to still be able to legally drive in the state of Florida, even if your license has been suspended. However, that doesn’t mean you can just drive wherever you want.
The hardship license only allows for suspended drivers to drive to specified places for a viable reason. One example is being allowed to drive to your job so you don’t risk losing it.
As soon as you have a hardship license approved, there will be high-risk auto insurance providers that will provide you coverage.
Try not to panic and reach for the first quote that someone gives you. You’ll still find it possible to find a budget-friendly quote with the right provider.
The big-name guys will try to make you feel as if they’re your only option… but they aren’t. Instead, invest in a local auto insurance team that understands your situation and wants to help you improve.
3. Where Can You Drive with a Hardship License?
Before reading this, some of you might not have known that a hardship license was an option you had.
Hardship licenses only give you permission to drive during your suspension to places that are an absolute necessity. These locations are spelled out upon receiving the hardship license.
With it, you’ll be able to do things such as drive to work, take the kids to school, and drive to any additional court hearings that you have.
You’ll also be able to drive to doctors’ appointments in order to ensure both your health and the health of your family.
In order to apply, you’ll need to provide diligent answers for why your license was suspended and why you need the hardship license.
While it might not be ideal, a hardship license will allow you the chance to maintain as normal a life as possible for you and your family.
4. What Will Happen to Your Car?
One of the biggest concerns, and probably the reason you clicked on this article, is the driver’s worry about their car during the suspension.
If your license is suspended, then you’ll be unable to get coverage on your car. All registered cars are legally required to have auto insurance, so you’ll want to move quickly on apply for your hardship license.
For those of you that have a relatively short suspension, then you might be off the hook. If the suspension will end before your coverage is up, then you might not have to worry.
Still, you should look to get a quote from a reputable insurance company that understands your situation, rather than one that looks down on you for being “high-risk”.
5. Why Is It Important to Keep Auto Insurance While You’re Suspended?
For one, it’s the law. If you need more reason than that, then consider the future consequences.
Going an extended period without car insurance can be compromising your future in a big way.
Auto insurance providers view a gap in coverage (not having coverage for a time) as a huge risk in providing coverage.
So if you were to go without coverage until your suspension is lifted, your rates would skyrocket. Keeping coverage can help you keep car insurance costs as low as possible, given your situation.
Find the Right Auto Insurance Team!
Can you get car insurance with a suspended license? Yes. But be sure to team up with a trusted auto insurance provider.
Be sure to read this article on how to find the right high-risk auto insurance provider for more information. There you’ll learn how to assess the right company to invest in.
For more inquiries, please feel free to reach out via our contact us page and we’ll be happy to assist you further!