Obtaining Car Insurance without Drivers License
Topic: Adaptive Driving Controls
Author: Online Auto Insurance
Published: 2010/09/28
Contents: Summary - Introduction - Main Item - Related Topics
Synopsis: Contrary to popular belief a drivers license is not necessarily a prerequisite to obtain car insurance coverage.
Introduction
Auto Insurance Made Available to Unlicensed Consumers - Contrary to popular belief, a driver's license is not necessarily a prerequisite for auto insurance coverage.Main Item
Which comes first: the driver's license, or the auto insurance coverage? While most people might assume that a the document allowing a consumer to drive lawfully is always a prerequisite to getting coverage, a number of circumstances exist in which someone might need to go the opposite route. Luckily for automobile owners in this situation, there are a number of carriers that are willing to provide no license car insurance to consumers.
Automobile owners may find themselves looking for this type of coverage if they live in a state in which vehicle coverage must be maintained for registration purposes. In California, for example, car owners must first provide proof of a policy to the Department of Motor Vehicles before renewing registration. And if a registered vehicle in Florida is found to be uninsured, the state may suspend the vehicle's plates and registration for up to three years or until proof of insurance is provided. Source: www.flhsmv.gov/ddl/frfaqgen.html#7
Aside from those with registration issues, people with non-state-issued licenses may find themselves needing auto insurance. People who are new to this country and have foreign or international certifications may secure an International Driving Permit that, along with an agreement to get licensed within a certain time-frame, may enable an international driver to secure a policy.
Another pertinent example would be a consumer who has had his or her license suspended but is still making payments to a finance company for the loan used to purchase his or her car. Although people in this situation would not be able to drive legally, the finance company may have a contract provision that requires the maintenance of comprehensive and collision protection on the car. Many finance companies stipulate this, as the car may be viewed as basically collateral for the loan, and they may despite the motorist's license status.
The prices for getting covered in these unique situations will vary among companies who do offer it. Different carriers target different types of motorists, so unlicensed consumers will likely have to shop around in order to find one insuring those who fall into the "non-standard" category. Since some companies are structured to where the welcome non-standard drivers, a carrier may be located with rates that are too inflated.
For more information on this topic, consumers can go to www.onlineautoinsurance.com/learn/buy-auto-insurance-with-no-drivers-license.htm where interested shoppers will also be able to begin the comparison-shopping process for an affordable policy.
Explore Related Topics
1 - Car Dealerships to Provide Hand Controls for Test Drives for Disabled - U.S. Court of Appeals, Ninth Circuit, rules individuals who use hand controls to operate cars and trucks have equal right to test drive vehicles before purchasing them.
2 - Guidosimplex Hand Controls for Drivers with Disabilities - Information regarding Guidosimplex Hand Controls the latest device in hand control technology for disabled drivers.
3 - Safe Driving and Car Modifications for Seniors - For seniors keeping that reputation as safer drivers goes beyond the addition of turnout seats and pedal extenders.
4 - Turny Evo Seat Lift System Aids Entering and Exiting Vehicles - Turny Evo is a seat lift system that moves a vehicle seat through the door, so disabled passengers can easily get in and out of it by swiveling the car seat out through the door opening and lowering the seat to a comfortable level above the ground..
5 - Peddle Master Portable Car Hand Controls - Peddle Master hand controls are a versatile cheaper and portable product for adaptive driving for persons with disabilities and limited mobility.
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Cite This Page (APA): Online Auto Insurance. (2010, September 28). Obtaining Car Insurance without Drivers License. Disabled World. Retrieved October 6, 2024 from www.disabled-world.com/assistivedevices/automotive/no-license-car-insurance.php
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