Car Insurance For Unlicensed Drivers

5 Nov

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A lot of men and women are below the impression that you are not in a position to get car insurance if you are not a valid driver’s license holder. This can be especially attempting for illegal immigrants who are unable to obtain a drivers license. Most of the time these drivers will continue to travel on the roads without a valid driver’s license or automobile insurance! In a lot of instances the drivers would truly like to be insured, for their personal safety and that of the other drivers on the road, but they are unsure of whether or not they can get insured with no a license.

Luckily, there are many auto insurance companies that will insure folks without having drivers or learners licenses. It is greater to have an insured unlicensed driver on the road than an uninsured unlicensed driver. There could be laws against driver’s licenses becoming issued to illegal immigrants, but there are no laws stipulating that unlicensed drivers cannot be insured. This is rather fortunate, as an unlicensed driver may not be as skilled as a licensed driver. This could be privy to a lot more accidents occurring.

There are people on each sides of the fence. There are those who feel that it is sensible to insure unlicensed drivers. What happens if the unlicensed driver has an accident? What takes place if they hit into another driver? There could be numerous miserable parties must an accident take place. In a lot of the situations, the unlicensed drivers are not normally the wealthiest of people, and if they had been to be in an accident, the likelihood of them getting in a position to pay for repairs to the damages on their car or anyone else’s car slim. The other bracket of folks could argue that insuring unlicensed drivers is giving them the permission to continue driving illegally.

Sadly for unlicensed drivers, the premiums on the automobile insurance policies will normally be a lot higher than for folks holding a valid license. This is due to the fact they will usually not have a driving record for the insurance business to revert back to. In some nations there are factors awarded to a license for years of driving without having crashing. If there is no license, then there will be no points awarded.

Now the trick is to educate illegal drivers about the availability of automobile insurance. A huge quantity of unlicensed drivers may not be educated regarding car insurance. This is because most unlicensed drivers are illegal immigrants who may not have their total education either! They could be afraid that they will be ratted out for having no license if they approach an insurance company. This is not the case, as auto insurance organizations are in no position to criticize or prosecute an unlicensed driver. All they need to have is a valid ID card to confirm their identity, and typically a proof of residence. The insurance organization will then take other elements into consideration to come up with the expense of the premium. These will be the typical considerations such as which type of vehicle is getting driven, the age of the driver, regardless of whether the vehicle has a enough security technique and is kept in a locked garage or not. These, bar the age element, are all something that can be worked with to organize a decrease premium.

24 Responses to “Car Insurance For Unlicensed Drivers”

  1. Isaac January 11, 2013 at 1:12 am #

    I simply recognized today that Geico means Government Insurence Worker Company. Now my pal informs me that vehicle insurance providers are run through the government. (something I do not trust) Is that this true and therefore are their any insurence firms that the federal government is not associated with?

  2. Tod January 11, 2013 at 7:51 pm #

    well today i crashed ( i had been with my mother) also it wasnt my fault i had been turning left in the stop sign (was my turn) and that he visited and that he went in to the front left a part of my moms vehicle, but anyways we made the decision to cope with it ourselves and never with insurance. But anyways am i going to not have the ability to get my license intill im 18 if he is doing made the decision to report it?

  3. Waldo January 11, 2013 at 8:46 pm #

    Actual instance – a man mowing the lawn is nailed with a vehicle that runs an easy, hits him at 40 Miles per hour. Driver was unlicensed and without insurance, but was just released a citation, as the bicyclist was put in the hospital and nearly died. This really is in AZ, wondering when the guy expires for criminal charges.

  4. Parthenia February 24, 2013 at 3:52 pm #

    My husband owns a car but has no drivers license at this time. He wants to insure his car and have friends drive. Is this possible?

  5. Elliott March 8, 2013 at 11:29 pm #

    He had permission to drive the vehicle but they did not realize he did not have a license. If the insurance company doesn’t pay, being that the driver is a 19 year old student and not working. Will the parents have to pay for another car for the totalled vehicle?

  6. Noe March 9, 2013 at 9:34 pm #

    A woman crossed the center line and hit me head on which resulted in both of our cars being totaled. Mine sustained much more damage. What will happen or what should I do now? Should I press additional charges to the owners of the car who allowed her to drive their car knowing she didn’t have a license? Any input is greatly appreciated. Thanks
    It took place in DE, we were all taken to the hospital but were released. No serious injuries like broken bones or internal.

  7. Bobby April 20, 2013 at 1:55 am #

    on January 1st a law was passed that would not allow checkpoints to tow away vehicles belonging to unlicensed drivers. the only condition is that the only offense they make is not having a valid drivers license. what is your opinion on this?

  8. Shalon April 28, 2013 at 1:53 am #

    I have been in the USA for 4 years. I have been driving on and off for that time with a Valid english drivers license. I was in a car accident last summer and recently this month. The officer gave me a 12500 “unlicensed” citation and now i have to appear in court. The day after the citation i went to the DMV and passed my written exam and i have my test later this month. What is a possible option/fine for me? What can i do?

  9. Queenie April 28, 2013 at 1:53 am #

    My auto insurance company didn’t inform me I didn’t have a valid drivers license (I didn’t know either) and sold me a policy. I got pulled over and lost my car because I was not informed. I want to sue the insurance company for selling me a policy they couldn’t live up to because unlicensed drivers cannot be insured.

  10. Andrew May 1, 2013 at 10:16 pm #

    My friend got into an accident with an unlicensed driver and when the cops showed up they said no one could be determined to be at fault. They said the insurance companies could duke it out. If my friend is found to be at fault, is her insurance required to pay to fix the car of the unlicensed driver?

  11. Celeste May 2, 2013 at 10:01 am #

    I was just married a month ago and my husband does not have a drivers license and never has had one. I currently live in FL and am wondering if I have to include him or any information on him on my policy?

  12. Maryellen May 5, 2013 at 3:21 pm #

    Okay so on January 8, 2013 my vehicle was parked right outside my job. There was a car behind me parked as well. An unlicensed driver hit the vehicle parked behind me which caused that vehicle to hit me. Now i placed a claim on the driver who strucked both vehicles. The vehicle is insured but the insurance has denied coverage because the driver has no license. What are my options now? I do not want to pay out of pocket for my damages. He has court on February. I only have liability insurance.

  13. Lucas May 6, 2013 at 4:39 am #

    I will be out of the country for 6 months and nobody will be driving my car and the car will be secured at a safe place. Is car insurance still required under California law during that period of time?
    Thanks.

  14. Oscar June 7, 2013 at 2:14 am #

    I live in NJ license level is 17 and my friend 14 borrowed my car with my premission in a parking lot and hit a car. He got a load of tickets including leaving the scene of an accident, driving unlicesnsed and others.. I on the otherhand recieved a summons in court to appear for letting an unlicensed driver operate my car. I had insurance as well as my license but still recieved this. I was wondering what the penalty for this is such as fee, loss of license etc..

  15. Taunya June 9, 2013 at 6:21 am #

    Under 18 with permit only.
    Also loud music.
    Was only driven in parking lot when pulled over.
    Car in another persons name.
    Are there any fines or penalties for car owner?

  16. Etha June 18, 2013 at 9:16 am #

    she is on my policy. he hit another car. will my insurance company pay for the other persona car and mine?

  17. Tori July 1, 2013 at 7:05 am #

    They also need me the car insurance for taking the driving license test. Do rental cars companies provide me the insurance card as well?

  18. Lashonda July 22, 2013 at 11:42 pm #

    My daughter’s friend drives her car all the time, I believe her car is insured.. mind she does not have a license or a permit. What are her consequences? can it affect my daughter?

  19. Jarred August 4, 2013 at 5:41 pm #

    I was stopped at a red light when i was rear ended by an unlicensed driver who was driving a vehicle owned by the company he worked for….i am presently going through insurance to get my car fixed and my medical bills paid…Should I get a lawyer to sue the company for me and would I have a legitimate case?

  20. Cleo August 13, 2013 at 10:31 am #

    Two of my cars parked in my driveway were damaged heavily by a drunk driver. The drunk driver drove across our lawn and hit our parked van, which hit the car next to it. Both of our cars were totaled. His truck sustained very minor damage. Driver had no driver’s license or insurance, but the truck he drove belonged to his brother, which had insurance. Police was called and driver got arrested. Both cars were appraised by the other insurance company, and they could only offer $10,000 max, based on its policy. If we were to accept that amount, we cannot sue. It was not enough to cover both of our cars. I need help figuring out what to do next. I was told to file at a small claim court, but even that wouldn’t be enough to cover the cars. I was also told to seek a lawyer, but I cannot find an affordable lawyer who is trustworthy and attentive. Please help. This happened a week ago.

  21. Hoa August 18, 2013 at 9:32 pm #

    i am 37 and i drive a car in my mothers name and insurance in her name. i do not have a license to drive. i got hit in the ass end by a girl the other day and my mom is trippin. i live in oklahoma anyone know what can happen?

  22. Izola August 27, 2013 at 11:58 am #

    I let my unlicensed friends drive my car all the time. Tonight we got pulled over, and now my friend and I have court dates. We both have clean records. I personally don’t care what happens to me, however my friend wants to become a mechanic. Will he not be known as a reliable mechanic just for that? what will happen to us?

  23. Man August 28, 2013 at 10:00 pm #

    Earlier on today i was out driving with my mum in her car (im 16, 17 in two weeks) in a really quiet area, then a police car came right behind us, so i pulled over thinking we were going to get arrested or something but he drove straight past, also im not insured on my mums car so what would the consequences be? e.g fines

  24. Georgeann September 19, 2013 at 4:30 am #

    My daughter had her permit only. We bought her a car, it is registered in my name. She drove it by herself while I was at work and got into an accident. I got a ticket for allowing an unlicensed driver to drive my car.

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