Few people can readily appreciate the devastating effects a suspension or revocation of a driver’s license can have on their lives. That is why it is important to do whatever is necessary to resolve the issues and do whatever it takes to have the restriction removed.
Driving privilege is your legal right to drive a vehicle in a state other than the one in which your license was issued. For example, the DMV can revoke your privilege to drive in the state of New York if your license was issued in another state, but it may still be valid in other states.
In the meantime,
You may wish to buy a vehicle and have it registered while your license or driving privilege has been suspended or revoked. You may want to know whether it is possible to get vehicle insurance in order to purchase or get finance for a new vehicle. All these questions and many similar ones can be very confusing.
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Table of Content
Can You Buy A Car with A Suspended License?
There is no law that prevents you from buying a vehicle without a license, however, you will not be able to drive it on public roads as there are traffic laws in every state that prohibit driving a vehicle without a permit and a driver’s license.
Remember that you are forbidden by law to drive with a suspended license.
Surprisingly there are some dealers who are willing to sell vehicles to people who have suspended licenses or they simply do not check driving records. Just remember that you will need to have proof of insurance to register the vehicle which you will not be able to get until the suspension has been lifted.
Failure to follow the suspension laws could land you in serious trouble with the law. If you are patient enough to have someone else drive you around until your license is ok, then this shouldn’t be a problem.
Temporary license to drive to work:
If you have to drive to work, some states allow you to get a temporary license until your suspension is sorted out.
In California for instance, this is the case. You can file for the temporary license if you have to drive to work daily or for medical reasons and you do not have anybody with a valid license that can do this for you.
This is important to note that you will not be issued with another license in any other state if you have a suspended license in any state.
How to Buy Car Insurance with a Suspended License?
Having your car insured without proof of a driver’s license is not easy and most insurance companies will not even entertain the possibility as it is standard procedure to verify a valid driver’s license before issuing an insurance policy. Unless you know how to go about it the right way it may seem impossible.
An insurance company automatically assumes that you would not want to insure a car without the intention of someone driving it. Start by choosing a primary driver for your vehicle, someone personally known to you and close to you like a spouse, adult child or another blood relative. You wouldn’t want to hand the keys of your car over to just anyone.
Always be truthful…
Honesty is the best policy when it comes to insurance and withholding information, lying or stretching the truth will only set you up for claim denials in the future. After all, the whole point of paying for insurance is to have a payout when you need it most.
If you are honest about your situation the insurance agent may even offer suggestions or refer you to someone else if they are unable to provide you with cover.
- If the primary driver lives with you and is your spouse you (as an unlicensed driver) will be excluded as a driver on the policy. Find insurance firms who regularly deal with high-risk policies. Your spouse may be able to obtain insurance for the vehicle but some insurance carriers may decline coverage.
- If the primary diver you have chosen lives with you but is someone other than your spouse you can be excluded as a driver and at the same time be named as the insured on the policy. You may have to do some research to find an insurance company that offers this option.
What you are looking for is an insurance carrier that allows a primary driver to buy an insurance policy for an un-owned vehicle. If you are still having problems, you could have the primary driver co-titled on your vehicle ownership which will normally alleviate insurance problems. Just make sure that you have chosen your primary driver wisely to avoid any unnecessary conflict arising from the situation.
Can You Register A Vehicle With A Suspended License?
In most states, you can register your vehicle even if your license has been suspended. However, as previously stated, it is illegal for you to drive any vehicle while under suspension or if your license has been revoked. Any other legally licensed driver can drive the vehicle as long as it has been registered, inspections are current, and provided it has been insured.
In most states, for example, a driver’s license and vehicle license registration are two separate things and one does not affect the other. Therefore it is possible to register your vehicle even if your license has been suspended.
In Florida, however, the Florida Statutes requires re-registration or new registration to be withheld if either the owner or co-owner of a vehicle has a suspended driver’s license. This is to ensure that traffic fines and citations are paid, regardless whether the person who committed the violation is the owner or co-owner of the vehicle. Before you can renew your tags in Florida, you will have to resolve your suspension issues.
It is possible to register a car with a suspended license because you take your proof of ownership and the receipts of purchase when registering. These are enough to allow you to get your car registered.
If you live in one of the states where getting car insurance with a suspended license is a bit tricky, wait until you get your right to drive back to get proper coverage.
Even with your car being registered, if you do drive with a suspended license and get into an accident, then the insurance company will not be able to pay for anything.
Once your license is suspended, the car insurance is also held up until you get the license back. This is to discourage anyone who might get ideas on breaking the law by driving with a suspended license.
Suggestion: It is best to wait for you license to be reinstated because if you get any injuries, you will have to foot the bills yourself. This means piles of bills you could have avoided.
How Do You Know Your License Has Been Suspended?
If your driver’s license has been suspended or revoked you will have received a notice from the DMV called an “order” at the address they have on file for you. As it is illegal to drive a vehicle while your driving license or privileges are suspended or have been revoked and it is important to follow the instructions on the order very carefully.
Suspension or revocation is usually due to a conviction for a serious traffic violation or several minor violations. Depending on the offense you were convicted for if you are caught driving on a suspended or revoked license the penalties can be severe. A Class B misdemeanor will get you a stiff fine and up to six months in prison and the penalties for each subsequent conviction for driving while your license is suspended will increase substantially.
Suspended Driving Privilege
Suspension of your driver’s license or your driving privileges means that you will not be allowed to drive for the period of time stipulated and may have to pay a fee to have your license reinstated.
There are two types of suspensions periods: definite (with a beginning and end date); or indefinite (does not end until the required action is taken by you).
- A Definite Suspension Order means you cannot drive during the suspension period and must pay a termination fee to have your license reinstated.
- An Indefinite Suspension Order means you have to comply with certain stipulations to remove the suspension. Some people are unaware that their driving privileges have been suspended due to a medical condition that may affect their ability to drive safely.
If a physician has reported a medical condition that could affect your driving skills, the DMV may suspend your license indefinitely until you can prove that the condition no longer affects your driving skills. This type of suspension is called ‘Administrative Review’ and you will have to submit an MV-80U.1 form supplied by the DMV Medical Review Unit to apply for the suspension to be removed.
Revoked Driver’s License Or Driving Privilege
When the DMV order states that your driver’s license or driving privilege has been revoked it means that your license has been canceled and you will have to apply for a new license after the revocation period ends and pay a re-application fee. Before you can apply for a new license you will have to request permission from DMV and may have to re-do the written and practical driving tests.
If you fail to meet the DMV requirements or you have a high-risk driving record, your application may be denied.