Can You Get Car Insurance With a Revoked License?

If your driving privileges have been revoked and the court in your jurisdiction has granted you conditional authorization to drive, you may be wondering whether or not you can find insurance coverage. There are various things to consider before buying insurance if your driver's license has been revoked.

  1. High-Risk Insurance

    • If you have legally obtained temporary or emergency driving privileges, there are companies that will insure you--for usually a high cost. Consult your local yellow pages for insurance agents who specialize in high-risk auto insurance.

    Insurance Companies Check Your Driving Record

    • You won't be able to conceal your license revocation from your insurance company. Insurers investigate the driving history of their customers and will learn of your license revocation.

    Insurers Won't Break the Law

    • If you are planning to drive while under a license revocation without court approval, then you are breaking the law. Insurance companies will refuse to pay claims for accidents occurring while you unlawfully operate a vehicle.

    Licensing Requirements

    • The insurance company may refuse to insure you until you obtain conditional driving privileges if you haven't already.

    Policy Cancellations

    • If your insurer discovers that you are not a licensed driver, they will cancel your policy. This will adversely affect the coverage of other parties on your policy as well.

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References

  • Photo Credit yellow car, a honda japanese sport car model image by alma_sacra from Fotolia.com

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