For those who are currently without a driver’s license, getting full coverage for your vehicle will involve additional steps to ensure you are covered.
What is Full Coverage?
Technically, there is no such thing as full coverage in the sense that no insurance company offers a policy with that title. However, it is considered to be the combination of the following policies;
– State Minimum Coverage: Usually Liability and Uninsured Motorist
– Collision: Pays Damages to Your Vehicle
– Comprehensive: Covers Theft, Vandalism, and Other Damages Separate from Accidents
By having all three of these insurance policies together, your vehicle is protected in most situations. However, what happens if your driver’s license should be suspended? Is it still possible to obtain full coverage insurance without a license?
Can I Get Full Coverage Insurance Without a License?
The answer is yes, but it does depend on the status of your driver’s license. If it has been revoked, then you will need to get it reinstated before getting insurance. However, if your driver’s license has been suspended, then you can apply for insurance to get the coverage you need. Although it is not legal for you to drive a vehicle if your driver’s license has been suspended, there are still reasons to have full coverage insurance. This is particularly true if you are issued a hardship or restricted license that allows you to drive to and from work, school, and scheduled medical appointments.
To get full coverage for unlicensed drivers, you will need first to check with your old insurance company to see how your new status affects their ability to cover you. It very well could be that you will need to shop around for new insurance. The good news is that there are insurance companies that cover high-risk drivers. You can request free multiple quotes from us.
SR-22 Form: In order to start getting your insurance, many states require that you submit an SR-22 form. This form will notify the state that you have insurance for your vehicle which is required for its operation on public roads. Other states have similar forms or notifications as the SR-22.
Once you have filed the proper forms, you can get the full coverage you want for your vehicle. Keep in mind that your rates will be higher than before based on the reasons for having your license suspended.
Other Drivers in the Home: One option is to purchase car insurance and place another driver’s name as the primary driver of the vehicle. Keep in mind that if their name does not appear on the motor vehicle title, you may have difficulty with this approach. It is best to talk to your insurance agent to understand your options.
Other options include just storing your vehicle in the garage while your license is suspended and purchasing comprehensive coverage only to protect it from fire and theft. In the end, the right course of action will depend on your state’s rules and regulations when it comes to purchasing full coverage when you do not have a driver’s license.