Can you get car insurance with out a car?

Answer 1

You can get whats called a named insurance policy with out having a car. This isn't very common for personal insurance policies but there are companies out there that will provide it. Stick with a large national company and you should have no trouble getting a named operators policy.

ANSWER

While the foregoing is essentially accurate, there are circumstances in which so-called "non-owners" coverage is necessary or required. An example is if you were in a collision that is your fault, and did not have liability coverage to pay for the other person's damages.

Depending upon the dollar amount of damages to the other person, your license may be suspended under your state's "Financial Responsibility Law". This is a law that most states have that requires owners and drivers to maintain a certain amount of liability insurance to pay for the damages caused to a third party.

If you are At Fault for the collision and do not have insurance or make arrangements to pay the damages, your license will be suspended until payment is made. Additionally, you will be required to get liability insurance in order to get back your license. The required insurance is usually considered high-risk, and is often referred to as an SR-22 (from the name of the form on which it is issued). It provides coverage regardless of the car that you drive, whereas "normal" liability insurance typically covers you only while driving the car shown on the policy.