Why Do I Need Auto Insurance When I Don’t Have a Driver’s License?

It could seem pointless to try to get vehicle insurance if you don’t have a driver’s licence that’s currently in good standing. After all, a significant number of drivers are under the impression that the sole criterion for vehicle insurance is to have a current and valid driver’s licence. However, this is not always the case in all situations.

It is possible for you to need vehicle insurance even if you do not possess a legal driver’s licence; but, finding an insurance provider that is willing to cover you with no licence insurance will be far more challenging than it would be otherwise.

If you do not have a driver’s licence number and you contact an insurance company about purchasing a vehicle policy, one of the first things the company will normally ask for is your driver’s licence number. If you do not have a driver’s licence number, the situation can become more difficult for both you and the insurance company.

However, depending on the specifics of the situation, obtaining auto insurance without a licence may be feasible or even required.

What are Some Circumstances That Might Persuade Someone to Buy Auto Insurance Without a License?

Even though it would seem odd to suggest that someone who does not drive a vehicle needs auto insurance, there are specific circumstances in which having coverage even if you do not have a licence might be beneficial. If any of the following circumstances describe your situation, you should seriously consider getting a coverage that does not need a driver’s licence:

Because of your medical condition, you are unable to drive at this time.

Even if you won’t be able to drive your car for the foreseeable future owing to a health problem, you should still give some thought to purchasing insurance for it. If you are going to put your vehicle into storage for a period of time and your licence will be expired during the time that you are recovering, you should still consider purchasing auto insurance to protect both you and your vehicle in the event that something goes wrong with your vehicle while it is stored.

If you believe you may drive again in the foreseeable future, you should maintain your car insurance policy so that you do not experience a gap in coverage, which might result in an increase in premiums when you want insurance once again. If you have a claim on your auto insurance, it will be much more challenging to keep your premiums as low as they were before the claim.

You are being driven to and from appointments, your place of employment, or any other destination of your choosing.

If you are an elderly person who has lost their driver’s licence or feels uneasy behind the wheel, you may want to consider having a younger member of your family or a caregiver take up the role of being your chauffeur.

You are required by law to get car insurance for your vehicle even if you do not intend to use it as your major mode of transportation. Because the average cost of car insurance climbs with age, it may be more cost-effective to have someone person drive a vehicle that is registered in your name rather than driving it yourself.

However, if the person who drives you is not a member of your family, identifying another individual as the primary driver of the car will not always be an option.

You either have a learner’s permit or a provisional driver’s licence.

Even though they haven’t completed the requirements for a full licence yet, teens who have a learner’s permit are required to get vehicle insurance. In most cases, new drivers have their first experience behind the wheel in their parents’ vehicles, which are fortunately already covered by insurance. However, parents should think about adding their student driver to their vehicle insurance policy as a provisional driver in order to protect themselves financially. You don’t have a driver’s licence, but your student driver does.

Let’s imagine that when your child turns 16 and gets their driver’s licence, you decide to treat them to a new automobile. The vehicle has to be insured at all times, even if you don’t plan on driving it. If you cannot present documentation that you are insured before attempting to register your vehicle with the department of motor vehicles in virtually every state, you will be denied the ability to do so.

If your kid isn’t old enough to have their own insurance policy, they will need to be listed as a driver on the policy of an adult who is at least 18 years old in order for them to be eligible for coverage. Because including your teenager on your vehicle insurance policy might result in a significant increase in your monthly payments, you should shop around and get several estimates from different companies before deciding which one provides you with the best bargain.

You are the proud owner of a vintage vehicle, but you never drive it.

Even if you acquire a classic automobile with the intention of storing it in your garage, you should still insure it so that you are financially protected in the event that it is damaged or stolen. It goes without saying that you may get a discount on your auto insurance by installing any one of these anti-theft devices.

Even if you don’t have any plans to drive, you should still think about obtaining an insurance policy that provides optional comprehensive car coverage in case your vehicle is stolen or vandalised in a way that isn’t caused by an accident. Instead of purchasing collision insurance in case of accidents, it can be more cost-effective to cover potential vehicle losses, such as a tree falling on the garage and breaking the glass if you don’t drive this car very often.

Your driver’s licence has been suspended

If you are charged with driving under the influence of alcohol or have a poor driving record, it is conceivable that your driver’s licence may be suspended. In the event that this is the case, you won’t be able to get it back until you provide an SR-22 certificate as evidence that you are responsible for your financial obligations. A certificate known as an SR-22 is used to demonstrate to the court that a person has the minimum level of liability insurance that is required by the state. This is not an insurance policy.

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