If you have a suspended license, you may still be eligible to get auto insurance. At the same time, you must also know that car insurance with suspended license will be expensive and you can buy it only if you meet certain conditions. It means that even if you have a suspended license, you can apply for coverage.
Not all car insurance companies offer this kind of policy, but there are many companies that offer such a policy to high-risk drivers. In addition to this, you also require showing that your license has been suspended for a short period of time, like 30 days or so. Also, your license gets restored; you need to show the company with proof that your license is reinstated now.
As license can be suspended for a short-term or long-term period, like from days to a year, so if you are the one with long-term license suspension, you have to find a car insurance company that will provide you an option to buy a policy with the name of another person. Here, that person will act as a primary driver in the policy and you will not be added as a driver until your license is reinstated.
There may be a situation when you don’t have anyone to be listed as a primary driver; in that case, you have the option to get the comprehensive insurance-only policy. It covers loss or damage to your car as a result of theft, fire, flood, vandalism, and falling objects.
You can have some insurance companies that offer comprehensive car insurance if no one is going to drive a car and you are keeping it in the garage. For this, you have to submit an affidavit of non-use with your state to the company.
Why do you need cheap car insurance for suspended license?
There are some of the common reasons when you need car insurance while you have a suspended license. These include:
- If you have other drivers listed in your policy and they are using your car, it means you require maintaining your car insurance. For this, you have to discuss with your company about making another driver as a primary driver in your policy.
- When a policy is cancelled, it leads to the gap in insurance coverage. When this gap is noticed by the insurance company, they will take you as a high-risk driver and as a result of this, you will be asked to pay higher premium rates when your coverage reinstates. So, you must go for a solution that helps you in avoiding this gap and save money in the long term.
- If your license has been suspended and you have planned to keep your car in storage, you still need to maintain the coverage and buy comprehensive car insurance to cover your car from loss or damage during the period when you have a suspended license.
Ways to reinstate suspended license
One of the best ways to reinstate your license is to appeal for your suspension. You need to follow the rules of your state’s appeal and have to file this within 10 days of your license suspension. Driver’s license suspension can be definite or Indefinite and both have different suspension termination fees.
In some states, you need to have an SR-22 form before you start driving a car legally after your license suspension. If your insurance company does not offer SR-22 insurance, you have to look for another insurer.
Are you getting difficulty in finding a company that can help you in a car accident with suspended license? Trust Alias Insurance as the best helping hands to get the coverage. Thus, you can enjoy the benefits of covering your car by adding another driver in your policy from the insurer offering auto insurance with a suspended license policy.