You CAN get insurance without a license or with a suspended license, you just have to find a carrier that will assume the risk. Not too hard to do with the Internet now.
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Dryden;1932708; said:You CAN get insurance without a license or with a suspended license, you just have to find a carrier that will assume the risk. Not too hard to do with the Internet now.
ORD_Buckeye;1932709; said:WOW! I stand corrected, but I guess I was being uncharacteristically naive since there's little that I put past the insurance industry when it comes to outright sleaze. One would think that states would actually prohibit the practice, which is essentially encouraging unlicensed/revoked/suspended drivers to get out onto the road.
ORD_Buckeye;1932709; said:WOW! I stand corrected, but I guess I was being uncharacteristically naive since there's little that I put past the insurance industry when it comes to outright sleaze. One would think that states would actually prohibit the practice, which is essentially encouraging unlicensed/revoked/suspended drivers to get out onto the road.
Cincinnatibuck;1932715; said:I looked at it differently as you still need insurance on the vehicle even if you are not allowed to drive.
Maybe Ohio differs, but in at least some states you cannot obtain auto insurance while your license is suspended. I don't think this represents a "catch-22" because a license to drive is general, and is not attached to any particular vehicle. Whereas auto insurance is vehicle specific.Dryden;1932708; said:You CAN get insurance without a license or with a suspended license, you just have to find a carrier that will assume the risk. Not too hard to do with the Internet now.
zincfinger;1932727; said:Maybe Ohio differs, but in at least some states you cannot obtain auto insurance while your license is suspended. I don't think this represents a "catch-22" because a license to drive is general, and is not attached to any particular vehicle. Whereas auto insurance is vehicle specific.
In MO, DC, NJ, CA, or MI for example, if you call an insurer to set up auto insurance, they will ask for your license number. They run that number, and if it is suspended, they will not insure you.
It could be true, although it doesn't really make sense to me. You're allowed to have a driver's license even if you don't own a car, or have access to a car. If you don't own a car or have access to a car, you won't have auto insurance. Ergo, having a license isn't dependent on being insured. For this reason, in many states, having insurance is dependent on being licensed, but being licensed is not dependent on having insurance.TGC OSU'62;1932730; said:Our Ohio BMV says he needs to first obtain high-risk insurance, then bring in that proof and pay $150 to have his license reinstated.
He actually has a PA license, but that is no problem. OH & PA are in the same 44 state computer setup.
zincfinger;1932731; said:It could be true, although it doesn't really make sense to me. You're allowed to have a driver's license even if you don't own a car, or have access to a car.
ORD_Buckeye;1932737; said:Lots of people in NY (and to a lesser degree, Chicago) have licenses but don't own cars. When they need one, they rent or have access to a car sharing service like zipcar. They would need to purchase coverage for the rental car to drive legally. If they wave the car rental company's insurance and are caught driving, I assume they'd face the same penalties as anyone else driving w/o insurance.
I've had business insurance policies where I paid extra for a rider that covered me for liability and damage while renting cars because I didn't own a car and didn't have standard car insurance.
TGC OSU'62;1932742; said:Exactly! The insurance is for the/those vehicle/vehicles.
Tlangs;1932746; said:I could care less about the insurance and speeding ticket stuff.