If you got your driver’s license suspended for any reason, for example, for not having valid auto insurance, what should you do?
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Can You Get Car Insurance with a Suspended License?
Can you get car insurance with a suspended license?
What is a license suspension?
A license suspension means that your license is temporarily invalidated because you broke the law. In such a case, you cannot drive legally, and you must be reinstated as soon as possible.
What can cause a license suspension?
- Reckless driving
- At-fault accidents
- Drinking underage
- Failing to pay taxes
- Vandalizing property
- Speeding excessively
- Fleeing after an accident
- Driving without insurance
- Failing to pay child support
- Using a fake driver’s license
- Repeated traffic violations or tickets
- Failing to file a vehicle accident report
- Failing to respond to a traffic court summons
- Failing to follow specific rules for junior drivers
- Inability to drive safely due to a medical condition
- Getting caught while driving under the influence of alcohol or drugs
- Refusing to take a blood alcohol content test or use a breathalyzer
- Failing to complete traffic court-ordered driving rehabilitation
Can you drive with a suspended license?
Legally, no. However, in some cases, you may be able to drive during your suspension. A hardship license will allow you to drive only for essential duties, such as driving to from school or work. If you are granted a hardship license, you need car insurance.
Do Insurance Rates Go Up After a No-Fault Accident?
Can you get car insurance with a suspended license?
Yes, you can get insurance while your license is suspended, and you must, but it has a bit more paperwork, and you should probably expect to see your auto insurance rates go up.
Most car insurance companies will not offer any insurance with a suspended license, so online insurance shopping will be difficult. In such a situation, the best thing you can do is to speak to an independent or captive insurance agent directly and ask them directly to help you in that situation.
What is SR-22, and what does it do?
If you need to show proof that you have auto insurance, you may have to ask your insurance provider to submit an SR-22 form to your local DMV.
* If you live in Virginia or Florida, ask for an FR-44 form.
How to reinstate your driving license?
There are two ways to reinstate your drivers’ license after suspension:
- Definite where indefinite, the suspension usually bears the beginning and end dates. The duration can range from a few days to years. In this case, you can do nothing but wait until the suspension period is over before you can reinstate your driver’s license.
- Indefinite where you don’t need to wait until the suspension period collapse. For indefinite suspension, you only have to fulfill the requirements for suspension termination to get back on the road.
