Car With No Insurance: What Are Your Options?

The situation may one day arrive where you will find yourself with a car, but not with insurance. The scenarios vary, but it is important to know the facts and to ask the question: do you have to have a license to get car insurance in the first place? A review of the situations should help, and knowing what your particular situation might be is the perfect way to approach the question. Laws vary from state to state, as do the internal business policies of insurance companies. It may be possible, but only if you have a comprehension on how to go about getting yourself covered without a driver’s license. (*)

Do You Have to Have a License to Get Car Insurance

Let’s say you are fourteen years old and your grandfather died, leaving you his antique Ford Pinto. It’s a cool looking car, and you’d like to have it insured against accident even if it is sitting in your parent’s garage at the moment. You have the option of placing the vehicle on your parent’s insurance policy, but then the car really wouldn’t be your now, would it? You would no longer be responsible for it, and that takes something away from your grandfather’s legacy. Your first task is to speak with an insurance company to determine if they will cover you without a license. In most cases, the answer will be yes as long as some provisions are met. Insurance companies want your money so that their share holders make money off of their investments. Working with an agent, you will discover what actions you must take in order to be covered.

My License Was Revoked by a Judge

If this is the case, you will need to speak once again with the insurance company to determine if they want the risk of covering you. A judge may allow you to drive from work to home in order to make your living without a license, but you still need coverage. In this case, expect your rates to be much higher than other drivers. Make sure that when you do drive under these uncomfortable situations, that you do not give law enforcement a reason to pull you back into court to see the judge again. Being marked as a habitual offender will only raise your coverage rates until you reach a point where it simply is something an insurance company is not going to want to take a risk on.

 

 

 

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