When you’ve had your driver’s license suspended, there may be several reasons why you’d want to buy a new car. This situation is not unheard of; you might have a family member available to drive you around while your license is suspended or need to buy a vehicle for your employees to use. Unfortunately, while it is possible to purchase, title, insure, and register a vehicle without a valid license, one of the biggest hurdles to making this happen is insuring the new vehicle properly. In Maryland, insuring a vehicle without a valid license is often a challenging process because insurance providers tend to deny policies to people who cannot prove they can drive legally.
It’s standard procedure for insurance companies to verify driver’s licenses before issuing insurance policies. Driving without auto insurance is against the law, as is driving on a suspended license. When shopping for auto insurance for your new vehicle, be sure to choose a relative or spouse to be the primary driver. This person must have a valid Maryland driver’s license.
Can I Get Auto Insurance With a Suspended License?
It might take a lot of shopping around, but ultimately you should be able to acquire the necessary auto insurance for your car if you have a suspended driver’s license. First, select a primary driver. Be sure to choose someone you trust with your vehicle. Disclose the details of your situation to the insurance agent; lying or providing misleading information can set you up for future claim denials. Be honest with the representative and ask for suggestions if he or she cannot personally set you up with insurance.
Setting Up Your Insurance Policy for Success
Living with the Primary Driver
You can be named as the insured on a policy and be excluded as a driver simultaneously. If the primary driver lives with you, you as the unlicensed driver will need to be excluded from the policy. If the primary driver is your spouse, he or she should be able to obtain insurance on the vehicle. Check with insurance providers who offer high-risk policies to obtain insurance.
Living Separately from the Primary Driver
If you don’t live with the primary driver, he or she might have their own insurance policy for their privately-owned car. It might be possible for that person to add your vehicle to their insurance policy. If this doesn’t work, find an insurance carrier that allows a named insured party to purchase a policy for a vehicle he or she doesn’t own. This will allow the primary driver to insure your vehicle.
Adding the Primary Driver to the Vehicle Title
Ultimately, it may be best to add the primary driver you choose to your vehicle’s title. You must still be excluded as a driver, but having the primary driver listed as a co-owner of the car will alleviate several problems around getting the proper insurance coverage. Be sure to think carefully about who you will add to the title to avoid potential personal conflicts.
Take Action to End or Reduce Your License Suspension
When you take swift action to work with a committed suspended license lawyer like Hillel Traub of The Law Office of Hillel Traub, he can take measures to attempt to ease your license suspension or have the suspension dropped. Hillel Traub will dig into all the facts surrounding your case and apply his keen negotiation skills to move the State of Maryland to reconsider your suspension. He can also take measures to get points off your license which can ward off future license suspensions.
Don’t hesitate to contact the former Assistant Attorney General of the Maryland MVA for help with your suspension. Our firm has received dozens of raving reviews from Marylanders in situations like yours. Call (410) 589-2794 or complete our online contact form for a free consultation.
A suspended driver’s license typically presents roadblocks in daily life. From making it more challenging to get to and from places you need to go to restricting your personal freedom, many adverse effects usually follow the state’s decision to suspend a person’s driving privileges. Therefore, it sounds logical that in order to buy a new car, you’d need to have a valid license to prove to the seller you can legally drive your new vehicle. Oddly enough, while having a valid driver’s license would make the sale go more smoothly (and allow you to test drive the car and drive it home), you don’t need a valid license to purchase a vehicle in Maryland.
Why Would I Buy a Car without a Valid Driver’s License?
There are a few scenarios in which a person with a suspended license might want to purchase a vehicle. You might consider buying a car while your license is suspended when:
- You have a loved one, friend, or employee available to drive you around until your license suspension ends.
- You are disabled and want to have a car for your caregiver to drive, but want to retain ownership of the vehicle.
- You own a business that requires a vehicle that licensed employees can drive.
- You would like to buy the car as a gift for someone who is licensed to drive.
- You have an underage child who has a license but is not old enough yet to finance the vehicle.
- You wish to purchase a collectible car which you have no intention of driving.
You might hit a snag when you attempt to close the sale without a valid license, but a conversation with the seller or sales manager of the dealership should make it clear that, while you will be purchasing the car, you will not be driving it yourself. As long as you have the funds or access to financing, the seller should work with you.
Is it Legal to Buy a Car while My License is Suspended?
If you have thought about buying a car but the state suspended your license, all hope is not lost. There is no law preventing you from having a valid driver’s license to buy a car; however, you won’t be able to execute a test drive or drive it home yourself unless you’ve obtained a temporary license to drive to and from work. On the whole, it may be more difficult to get a title or insure a new vehicle with a suspended license.
Get Behind the Wheel with the Help of a Suspended License Lawyer
Baltimore suspended license lawyer Hillel Traub of The Law Office of Hillel Traub has served Baltimore and the surrounding areas for more than 20 years, helping residents regain their driving privileges and personal freedom. As a former Maryland Assistant Attorney General for the Maryland Motor Vehicle Administration (MVA), he fully understands the process behind license suspensions in the state and can fight aggressively against your suspension.
There are many reasons your license may be suspended in Maryland, many of which have nothing to do with your ability as a driver. For that reason, contact attorney Hillel Traub as soon as the MVA notifies you of your license suspension. His insider knowledge of the MVA’s inner workings will help him achieve his goal of overturning or reducing the period of your suspension.
Call (410) 580-1100 or complete our contact form for a free consultation.