Insuring a Vehicle with a Suspended License in Maryland
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 Baltimore 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.