Can You Still Get Insurance With a Suspended License in New York?
Last Updated on April 11, 2022
If you are caught committing a serious traffic violation or have a long history of committing traffic violations, you could have your license suspended. If you have recently had your license suspended in New York, you may be wondering if you can still get car insurance. In this article, we will take a look at how license suspensions work in New York and whether or not you can still get car insurance afterward.
Can you buy and register a car with a suspended license?
You do not need a driver’s license to buy a car in New York or in other states. However, you will not be able to drive the car after you purchase it – only someone with a valid driver’s license will be able to drive the car. This means you can buy a car for someone else, even if you do not have a license, and it also means that you can buy a car even if your license has been suspended.
You will also technically be able to register a car with the New York DMV even if you have a suspended license. To register a car in New York state, you will need a valid New York ID as well as proof of insurance – you don’t actually need to provide a valid driver’s license. However, getting car insurance with a suspended license can be very difficult.
Can you insure a car with a suspended license?
Getting insurance with a suspended license in New York is very difficult. Many insurance companies are unwilling to insure someone with a suspended license. Drivers who have had their license suspended are statistically more likely to file insurance claims, so most insurers do not want to take this risk. Some insurance companies will even revoke existing coverage if they learn that your license has been suspended. Even after your license suspension ends, it can still be very difficult to get insurance coverage. However, you are required to have insurance on your car as long as the tags are not expired.
What are the common causes of a license suspension?
There are many reasons why a driver might have their license suspended. License suspensions usually don’t happen for mild offenses or first-time offenses. Suspensions are typically for serious offenses that could potentially harm others.
Two of the most common reasons for license suspensions are getting multiple traffic tickets in a short period of time and driving under the influence of drugs or alcohol. Both of these things demonstrate a pattern of dangerous behavior that could lead to accidents. Another common cause of license suspensions is driving without the legally required liability insurance. While this may not seem like a big deal, it can actually be very dangerous to drive without insurance. If you are in an accident, you could end up liable for thousands of dollars in damage. Since New York is a no-fault state, you would also end up responsible for your own medical bills as well.
These are just a few of the most common reasons for license suspensions. You can also have your license suspended for failing to respond or comply with traffic tickets and other court orders. This is why it is so important to respond to all traffic tickets and other communications from the DMV to avoid legal problems.
How can I get insurance if my license has been suspended?
There are some things you can do to get car insurance after your license has been suspended. If you have a friend or family member who also uses the car, you can have them insure it under their name. This ensures that they still have coverage even while you are not driving. After your license suspension ends, you may be able to get a joint insurance policy with the other driver as long as they have a clean record.
If your license has been suspended but you still need to drive for work or school, you can apply for a conditional license or a restricted-use license through New York state. Conditional licenses are for drivers with license suspensions related to drug or alcohol issues. Drivers with conditional licenses must attend an impaired driver program. Restricted use licenses are for drivers with license suspensions that are not related to drugs or alcohol.
With these licenses, you can still drive under specific circumstances outlined by the state. These could include driving to work, school, or medical care, or driving a family member to these locations who cannot drive themselves. However, if you are caught driving outside of these circumstances, you could end up having your license completely revoked and even face legal consequences.
Insurance for high-risk drivers in New York
If you have a conditional or restricted use license, you may still struggle to find the car insurance coverage you need. You may also have trouble finding good coverage after your suspension ends and your license has been fully reinstated. In these instances, you will need to look for a car insurance company that specializes in assigned-risk or high-risk insurance coverage.
When initially assessing you for insurance coverage, providers will look at your driving history to determine how statistically likely you are to get into an accident. If you have had your license suspended, you are statistically at a higher risk, causing most insurers to deny you coverage. However, there are high-risk insurance providers on the market that have policies specifically designed for those who can’t get them elsewhere. These providers are likely going to be the easiest way to get car insurance coverage after you have been in an accident.
High-risk providers typically don’t offer as many coverage add-ons or discounts as standard car insurance providers. Drivers who have had suspended licenses can also expect to pay more in general for insurance because they are considered high risk. To find the most affordable high-risk car insurance, it helps to get quotes from multiple insurance providers.