Your license may get suspended for many reasons. Apart from traffic violations, driving without valid insurance coverage can also lead to suspension of driving license that can make getting car insurance with a suspended license difficult.
If you can’t get suspended license car insurance cover within the suspension period, it can lead to more problems. Adding to the angst is the fact that not many insurance companies are willing to extend coverage to people with suspended license. In some states, insurance companies are prohibited from selling insurance cover to people with suspended license.
The insurance companies that do extend car insurance with a suspended license usually allow a grace period of 15 days to 45 days to get your license reinstated. In case, your license doesn’t get reinstated within this period, you run the risk of the insurer cancelling the coverage that brings you back to the start line. Therefore, it is important that you get a document proving that your license has been reinstated.
A few states mandate that you either get insurance coverage or an SR22 form when caught driving without valid insurance coverage. SR22 is not an insurance policy. It’s a document that is filed with the state department of insurance proving that you have the minimum liability coverage as mandated by the state. But, if you fail to continue with the coverage or SR22, your license can be suspended again, and for an indefinite period.
But, can you get auto insurance with a suspended license? Yes, you can. However, you will need to contact specialized insurance companies that can work to your situation. You can also look for independent insurance consultants or brokers who work with various insurance companies specialising in car insurance with a suspended license.
Another way to look out for such specialized insurance companies is to log on to the internet and search for suspended license car insurance. At the click of a mouse, you will get details of specialized insurers near you. Seek quotes from multiple providers so you can find the best option that provides you with adequate coverage at the best price. However, given the situation you are in, beware of the provider you choose to work with. The internet is rife with fraudsters ready to take advantage of your situation. Establish credentials of the provider before taking the next steps such as sharing personal details or making a payment.