Situations That Warrant Car Insurance Without A License
According to the law, you can buy a car without having a driver's license. You might be purchasing the car for someone as a present and want to insure it while waiting to give it to them. If you're in such a situation, contact an insurance provider and explain your predicament. While at it, avoid lying as they'll not give you the insurance policy once they find out.
Here are the situations where you might require car insurance without having a license.
If You Have an Invalid license
The court might revoke or suspend your license for one reason or another. If you lack one, you can still insure the car under comprehensive insurance. But for the insurance to give you this policy, you need to prove you have a driver's license. For this reason, fill out the SR-22 paperwork first and present it as proof of having a driver's license.
If You'll Be Driven Around
When suffering from a health condition that hinders you from renewing another license and want to keep your name under the car title, consider hiring a chauffeur. After that, contact the insurance company and choose an insurance policy that covers you best. The right insurance policy should cover any unfortunate occurrences, such as an accident. It should also cover injuries sustained when someone else drives the car and gets involved in an accident.
If You're a Listed Excluded Driver
You can get an insurance policy if you are listed as an excluded driver. Under this policy, the insurer won't compensate you if you get an accident while driving the insured car. If you opt for this type of insurance, list someone such as a close friend or spouse as your primary driver.
If You Have Teenage Drivers
At times, you may decide to buy a car for your underage child. Insurance providers cannot provide car insurance cover for such people. However, you can insure the vehicle and assume legal custodianship of the car until your child becomes an adult.
If You Own a Car Collection
If you have a stored car collection, you can insure them against damage. Most insurance providers offer parked car insurance for such vehicles. The policy covers stored cars or cars that aren't being driven. Perils covered under the policy include falling objects, flooding, vandalism, and fire. This policy doesn't have liability coverage.
Car insurance is essential as it reduces the cost incurred after an unfortunate incident has happened to your car. You can get one even if you don't have a driver's license. Contact your insurance provider and explain your situation, and they'll give you a policy that suits you.
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