Auto Insurance
Driver's License

What will happen to your drivers license if you cancel your insurance?


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2010-11-06 20:38:14
2010-11-06 20:38:14

If you are in certain stated your drivers license could be suspended. Most will not though.

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You still get slammed. The logic that you not having a driver's license means you shouldn't have been there.

if ny reports it to nc it will. NC cooperates with almost all the states.

You will get a ticket for these violations but if you bring them with you to court and they show that you were licensed and insured on the date of the accident, these charges will be dismissed.

Yes, they can cancel all insurance on each other that the other is paying for. This can only happen if the insurance policy was created with both people as either primary or secondary policy holders. A person cannot just call or contact an insurance company and cancel their insurance without being on the policy.

Only if you get caught driving without insurance can that happen in most states. I wish it would happen in all.

Someone could use it for ID. Contact the DMV.

You may get a ticket for no insurance. But you can still file a claim under the at fault drivers auto insurance.

New law says that if you are over the age of 17, you do not have to get a learner's permit, you can just take your driving test, if you fail, you have no license or CP license. If a twenty-year-old is caught driving alone with only a learning permit she or he will first of all get a ticket for not having a drivers license. And if the person doesn't have a drivers license they probably don't have insurance coverage. In most states if you do not provide proof of insurance when pulled over by the cops your driving privileges will be suspended, which means that it will cost the person more money (reinstatement fees, SR-22 bonds, etc.)when they do decide to actually get their drivers license.

You will be cited for not having a license and people would bill you for any damage you caused.

No, Your Insurer has no ability to cancel the insurance policies of another Insurance company nor of other people in your household whether they have an SR22 or not. An Insurer only has an ability to cancel the policy of their own insured(s). if the insured no longer meets it's underwriting guidelines. The other people in your household's insurance could only be cancelled by themselves or by their own Insurer. This could happen if their Insurer determines that an uninsured, unscheduled driver in the same houshold may be operating their insured's vehicle. SR22 insurance is exactly the same thing as Auto Insurance. SR22 Insurance is a laymans term for a Form SR22 filing requirement. This is usually requested in order to avoid a drivers license Suspension. An SR22 form filing is not a type of insurance but rather the Form SR22 is Proof to a Governmental Drivers License Authority, " usually your local dmv", that you are currently insured under an Auto Insurance Policy produced by the SR22 Form Filer. The SR22 is usually filed by Your Insurance Agent if you have one or your Insurance company's underwriting department. The SR22 form is Issued by the insurer or the insurers representative at the insureds request and is generally the result of a regulatory or court ordered requirement after certain types of traffic violations or other high risk offenses. The ordered filing requirement is usually 1 to 3 years from the date of a related offense or from the date of license suspension.

people today that are sixteen are getting there drivers license

Absolutely, this person can and will sue you. Just because he/she wasn't licensed doesn't mean that you have the right to get in an accident with him/her. The only thing that will happen to the other person is get a citation for driving without a license, or whatever the case may be. You are still responsible for all damages.

Can I get an insurance policy for an automobile if my license is suspended? Also the owner of the vehicle is the register owner and he has his license does this pose problem? Depending on the circumstances of the suspension, ironically nothing may happen. Unless someone else is avalible to drive the car who'd be covered, would you really want to spend the money to insure it during this time? If you cancel a policy within the first six months, and there are no outstanding claims they'll usually refund the full balance put down. Heres how it works in ohio, every one is under the acts of insurance- you must have insurance on your auto at all times, if you cancel your insurance- the BMV is notefied. Then the BMV will Send you a "Random" Letter asking for proof of insurance (if the car has plates or your paying taxes on it then it must be insured). No insurance---they supspen your license for a year and charge you $300 in fines plus $55 to reinstate your plates and $32 for your license. Dude it just sucks.

Insurance can jump 20-50 dollars a month when the driving record is reviewed. More than likely this won't happen until the insurance is up for renewal and they pull a drivers report. Sometimes they do not even look at the driving record on a current policy.

If your friend has auto insurance that covers other drivers, you're fine. If not, she will have to pay for the damage or sue you in civil court.

He can't drive the car, but if something were to happen to it (ex. a tree falls on it during a storm, or it rolls out into the street and gets hit), it'd be insured. If anything, his insurance might be a bit cheaper because they wouldn't expect the car to be driven very often.

I am not positive but I would guess that (saying your BF is at fault)1) Your insurance will not cover your car since it was driven by someone without a liceance2) Your BF's insurance is not valid since he does not have a drivers liceance (even though it is active)3) You will be personally responsible for the damages to your car and your BF will be responseable to any damages he has cause during the accident.

You have to renew it if you want to continue to drive, otherwise it is now expired and no longer valid.

If you're caught, depending on what the restriction is, you could be fined, and even have your licence suspended.

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