Getting Unlicensed Driver Auto Insurance
Getting unlicensed driver auto insurance can be difficult. This is because the insurance policy will not cover the damages of an unlicensed driver. However, if an accident does happen, the injured party can pursue payment under the UM/UIM coverage, or through a civil lawsuit. If an unlicensed driver is at fault in an accident, there are several options for payment. The injured party should first contact his or her insurer to determine what the next step should be.
Getting unlicensed driver auto insurance can be difficult. Despite the fact that you are not a licensed driver, you can still apply for car insurance. Insureinfoq should go to a local agency to apply. You can also apply over the phone, but this option is not common. You should explain your situation to an insurance agent. Typically, an insurance company will ask for a primary driver's license number, and the license number of any additional drivers. They are looking into your driving record because this is how they assess your risk.
If you are the primary driver of the car, you may need to list a personal driver on your policy. An unlicensed driver cannot operate the car, but they must be insured. You should list the person as the primary named in the policy. In general, the primary name is the person who typically uses the vehicle. It is best to have this person on your policy. A spouse or family member, roommate, or other authorized driver will make the best primary on the policy.
In general, getting unlicensed driver auto insurance is a challenging process. Generally, it is best to apply in person to a local agency, rather than online. You can also call insurers directly. It is important to be listed as an excluded driver on the policy. This will reduce the risk of the insurer, and will protect the insurance company. If you are driving an unlicensed vehicle and are in an accident, you won't be covered. You could even be fined or your car may be impounded.
Once you've been approved for unlicensed driver auto insurance, you should consider contacting a top insurance agency. This will allow you to compare multiple insurance providers and find the best one for you. Don't lie to insurance agents - lying to an insurer will only result in cancellation of your policy or refusal of coverage. Fortunately, you can still get unlicensed driver auto policies. It's possible to find a policy that meets your requirements if you take the time to look.
In addition to obtaining an unlicensed driver auto insurance, you can also get coverage for another driver in the same household. You should provide the primary driver's license number of the person who will drive the vehicle. This way, the insurance provider will know who is driving the vehicle and who the secondary driver is. The insurance company should be able to contact both parties and negotiate the best deal. In addition to getting an unlicensed driver's license, the primary driver can co-title the car with him or her.
Even if an unlicensed driver does not have a license, he or she can still get auto insurance. The insurance company will ask for the primary driver's license number and those of other drivers who may occasionally drive. In order to determine if a person is an ideal candidate for the policy, they should also provide a copy of the primary driver's driving history. It will be vital for an insurer to evaluate the risks of an unlicensed driver, as a result of their own actions.
If an unlicensed driver co-titles the vehicle, they can often get the same type of coverage for it. The primary driver must stay with the policyholder. Any other drivers need to have their own auto insurance. They should stay with their owner's car, because it's not safe for them to drive it. If a driver isn't driving, they may have to rent it. In this case, the primary driver's name must be listed.