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Drunk Driving (DWI or DUI)

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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2015-07-15 20:50:08
2015-07-15 20:50:08
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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A suspension of the drivers license will be visible for 5 years on your driving record and doesn't show up as any points.

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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.

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

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


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