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Excluded High Risk DriversYou can exclude the spouse with the bad driving record from the policy. Since their license is suspended they can't drive anyway.

Be careful of the excluded driver option, however. With an excluded driver endorsement, there is NEVER any coverage for the excluded driver -- EVER. Sounds pretty obvious until that person gets behind the wheel and wipes out a busload of nuns. Interestingly, people tend to forget all about being an excluded driver under those circumstances.

hahaaa where we live there is no public transportation. I got excluded driver ins. but i am not comfortable with it but the payments for other insurance is over my head at the time being. thank you for your advice on this question.

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โˆ™ 2015-07-15 20:50:08
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Q: How do you get insurance when one spouse has DUIs and a suspended license and the other has a clean driving record?
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Related Questions

How many points does insurance count for suspended drivers license and how long does it stay on record with insurance company in Arizona?

A suspension of the drivers license will be visible for 5 years on your driving record and doesn't show up as any points.

How many points can you have on your driving record before your license gets suspended in the UK?

12 points on your driving license and then your banned.

Can people get car insurance if a spouse's license is suspended?

Yes, You can still get auto Insurance on your own.. It is common for people to exclude an unlicensed spouse from from coverage on their Auto insurance Policy. This way you don't get penalized for your spouses driving record.

How many points can you have on your driving record before your license gets suspended in NY?

New York operates on a 12 point system. Therefore if you get 12 points your license will be suspended.

Can a person get there license in another state if license is suspended?

no because it will come on your record that your license is suspended.

Where can I find out all the holds on a suspended drivers license?

You have no automatic right to to have access to another person's driving record.

How does a new insurance company know about your driving record?

You have to provide them with your drivers license information and they get your record from the Department of Motor Vehicles.

When DMV starts your record When you get permit or Driving license?

As soon as you get any kind of permit to drive you have the potential of having a record. If you don't get any tickets, the only record you will have is that you have a license and insurance.

How long do parking tickets stay on your driving record in New York City?

Parking tickets are not a part of your driving record. Getting your license suspended for ignoring oparking tickets would show on your license history (actually, on the car owner's).

How can you find out why your mn drivers license has been suspended?

Obtain a copy of your MVR (driving record) from the MN DMV office.

What are some disadvantages if you get in a car accident?

Your insurance may go up, you can get a ticket, you have to pay for repairs, you can be hurt, you can hurt or kill another person, you have points added to your driving record, you can loose a license or have it suspended if you are at fault.

How long does a suspended license in Ontario Canada stay on your record?

You will need to contact the agent or policy services dept for the insurance company for this answer.

Is the speeding ticket from Maryland going to affect your driving record if you are from Illinois?

The ticket will be reflected on your driving record, regardless of where you received it. That's why you need to pay it; failure to do so could result in a suspended license.

How do you find out if your drivers license are suspended?

Check your local Secretary of State office. You can have them print out your driving record for a small charge also.

How long does a suspended license stay on your record in California?

For insurance purposes, any points you receive for violations remain for three years. On your MVR, the suspended licence will show on it for seven years.

I have my auto insurance with NJM If I choose Progressive for my motorcycle insurance and I get a ticket with my auto insurance NJM will my Progressive motorcycle insurance rise as well?

yes, if they run a 'clue' or driving record.....your driving record, or violations, of course are under your license and not each vehicle......they are insuring the 'driver' as well as the vehicle........

Does your driving record transfer from state to state?

Your driving record starts fresh when you get a license in a new state, BUT your INSURANCE RECORD follows you around, where ever you go. All states are linked now so if you have a hold on your license in one state when you go to get your license in another state they won't let you get your license until the hold is removed in whatever state that is.

What happens if a suspended license driver is in a minor fender bender and not at fault Should they contact their insurance Will this notify the insurance carrier that their license was suspended?

Ouch!!!!SO if the fender bender is enough money to require reporting (and it is hard to do less on today's cars) that means it has to be reported to the police and wow are you busted.By the way if you haven't reported your suspension to your insurance company, expect them to cancel your insurance and refuse to insure you in the future. Regardless if they find out from this they are entitled to check your driving record every renewal and most do.Man this is gonna leave a mark!!

If you get two speeding tickets on your ma record and then you get a ticket in NH will your license be suspended?

a ticket is a record to your license reguardless of the state

You paid you traffic ticket but didn't go to traffic school what will happen to you?

Nothing too bad. That traffic ticket point will go on your driving record and your insurance rates will increase. Your allowed a certain amount of points before your license is suspended.

Will a bench warrant show up in your driving record?

No, but if you have a bench warrant due to failure to appear, you driver's license may be suspended for the same reason.

Do you have to have your driving record to get car insurance?

No, they will ask you questions about your driving record, but they can get your record from the state you are applying in.

Who can be a dependent on a car insurance policy?

Anyone can be listed on your car insurance policy as long as they have a valid driver's license. You just have to remember if that person has a bad driving record it will affect your insurance.

Can an 18 year old get a non drivers insurance just to have a license?

Typically you don't need insurance in order to have a driver's license. If however you have violations on your driving record and are required to have an insurance policy in order to keep you license you should have no problem getting a non-owners policy.

Can you rent a car from Enterprise with a suspended license?

You can not legally drive a car if your license is suspended. So you will not be able to rent a car from anyone. That's not really true. Car rental companies don't really have a system to check the status of your driving record. Although yes it is illegal, its not impossible to get car on suspended license. Example: My mother rented car in TX and was pulled over and officer told her her license was suspended from VA. She didn't knowingly drive on suspended license. No ticket was given because she was out of state driver.