Driving license suspension is a huge risk for any car insurance policyholder. It can get your policy suspended for a certain time period or permanently based on the type of your license suspension. So it is advisable to check on the provisions for license suspension in your auto insurance policy papers before you sign them up. The most important question for anyone with a car is how to get suspended license car insurance if the worst happens. For there are many sub-prime insurers in the market, who offer insurance coverage to your car and other drivers of it in case you, got your license suspended.
Car insurance for suspended drivers has a provision where you can include other drivers of a car as the enlisted active drivers of the car and the one with a suspended license as the inactive driver in the list. But before you look anywhere else you need to check for the provisions in your existing insurance policy. In different states of America the suspension period for different cases may vary, but in general, there are certain cases when the license can get suspended.
- Rash driving and breaking traffic rules.
- Homicide.
- Driving under the influence of drug or alcohol
- Facing an accident.
- Auto fuel theft.
- Leaving babies and kids unattended in a moving vehicle.
These are some of the many cases. In case your license is suspended for anything other than moving cars, your insurance policy will not be affected. You must inform your agent or the insurer about the license suspension after the case otherwise you can face consequences and legal problems in that case.
If you have a teen driver in-house then as a parent it is your duty to make him realize the importance of conditions like that. Also, you should ask your agent whether can you get auto insurance with a suspended license for your teenager in the worst case. Though the license suspension of your teenager will not hamper the family car insurance policy he or she will be excluded from the list. Car insurance after the suspended license is something many Americans search every year. You can get one but you have to pay a higher monthly premium for that as providing insurance for suspended license is a risk factor.
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