Many consumers are unaware of the ability to obtain auto insurance without a driver’s license and it may be wise to have for more than one reason.
(PRWEB) November 24, 2009 -- OnlineAutoInsurance.com is informing consumers that it is possible to purchase an auto insurance policy whether licensed or not and it may be wise to do so for a few different reasons. Many unlicensed vehicle owners are reluctant to even shop around for policies because they are under the misconception that they cannot get insured or they believe that they will be overcharged for coverage; both beliefs are false in many cases and it may be a good decision to cover an automobile even if unable to operate it.
Almost every state requires that an automobile be insured in order to maintain a valid registration, therefore if an individual owns a vehicle, but does not continue carrying a policy they may receive a suspension of registration as a result. According to the California Department of Motor Vehicles, once a vehicle’s registration has been suspended, the owner will have to provide valid proof of insurance and pay a reinstatement fee before having the vehicle registered.
Source: http://dmv.ca.gov/pubs/brochures/fast_facts/ffvr18.htm
Many believe that they cannot be insured without being licensed, but this is not necessarily true. There are insurers who will provide car insurance with no drivers license and at a rate that is fair. Particular providers will offer coverage to those without licenses, have international licenses or even out of country identification cards. These insurers just need to be located and can be helpful to avoid having a vehicle’s registration suspended or even cover accidents under some circumstances.
In the event that a vehicle owner permits an individual to operate a vehicle, in many cases their insurer will cover damages resulting in a traffic collision which can protect the policyholder from future financial hardship as opposed to if they had not been insured; one should clarify with a potential insurer whether an incident such as this would be covered before purchasing a policy. In addition, automobile owners should not operate while uninsured or let another motorist operate their vehicle without auto insurance that will provide proper protection.
For more information about getting coverage without a driver's license, individuals can visit http://www.onlineautoinsurance.com/learn/buy-auto-insurance-with-no-drivers-license.htm for assistance in locating a carrier who will provide coverage to those who are unlicensed or have international licensing.
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