What Happens To My Insurance Coverage If My License Is Suspended?

If my license has been suspended then will my car insurance cover me?

Your insurer will not cancel the car coverage at once even if your license has been suspended. Most insurers don’t cancel the car coverage at once. But some may. So, even if your license has been suspended there is little need to worry.  It is likely that you will still be covered under your car coverage. You need to check that with your agent. That might help you to know what happens to your car coverage and more.

What will happen if you are driving a car with a suspended license?

To drive a car on the road, you need to have a valid driver’s license by law. Now if the license is suspended then its fate is in hanging. So, you cannot drive a car until it has been restored. If you are caught driving a car with no license then you may have to pay huge fines. And such an offense can also lead to a longer license suspension period, charges for a felony, or even a jail term in the worst case.

If you are hit by an unlicensed driver

When you get hit by a driver whose license is suspended then you can file a claim against him. The process may take more time than filing a claim through your insurer. You can even think of filing a claim with your insurer. The insurer will get back the costs from the unlicensed driver’s insurer. This way you will not have to wait for the unlicensed driver’s insurer to settle the claim.

Do you need car coverage if you have a suspended license?

It is better to keep your car coverage active even if your license is suspended. So, if your insurer does not cancel your policy then it is a good thing.  You will need the car coverage to get back your license. On the other hand, if your insurer cancels your coverage then you will be tagged as a high-risk driver. This will be because of a lapse in coverage. It will lead to high coverage rates later on.

How to get coverage for a car when your license is suspended?

It will be hard to get coverage for a car when your license is suspended. This is due to the fact that most of the insurers will look to you as a high-risk driver. But it could be still possible to get car coverage. You just need to file for an SR-22 certificate with your state DMV to get back your license. And if you manage to get a short-term provisional license then you can even get coverage for a car. It will help you to run errands.