Reader’s Question:

I will be losing my license because of the DUI conviction. Can I have my new car insured while my license is suspended so others may be able to use it?

Nina

Thank you for asking Nina.

I dont think it is possible (or may be difficult) to carry auto insurance while your license is suspended. Once an insurance carrier finds out that your license is suspended, your insurance policy typically is canceled.

If there is another person that has registered or co-owns the new vehicle with you, she/he might be able to get insurance in their name for the car until your driver’s license is reinstated. If not then the finance company can get “force” insurance, in which they take out insurance on the car to protect their asset (the car) but it might not be enough for the coverage of others operating the vehicle.

If you are able to get a restricted driver’s license, while still serving your penalty for the DUI, then an insurance carrier will normally be able to insure you and your car.

Goodluck!

MariCAR