Tag Archives: License

Will Your Car Insurance Cover You With An Expired Driver’s License?

Insurance premium can be different depending not only on your personal data (driving record, mileage, age, car model, marital status, etc), but also on the state where you live. One of the most expensive property and casualty insurance premiums is in Florida; the main reason is that the area is prone to natural disasters. Car insurance in this state is expensive because the companies must logically increase the rates to cover losses by natural disasters. In the event of major natural disasters such as floods and hurricanes, your car can be excessively damaged beyond repair, and the resulting insurance claims mean a great deal of expense for the insurers.

Expired Driver’s license

In all states, it is illegal to drive a car without driver’s license. Of course, while you are driving, it is almost impossible for any police officer to realize that you actually don’t have a valid driver’s license simply by taking a glance. The officer has to pull you over and ask for the license to figure out about it. You will be pulled over normally because you commit traffic violations such as going over the speed limit (speeding), reckless driving, disobey road signs, etc. In case you are pulled over due to any reason, the officer will not only ask for driver’s license, but also vehicle registration and proof of insurance. If you fail to produce any valid proof, your license is probably suspended and your insurance company possibly cancel your policy (usually because of DUI or other major offenses). It means you must get car insurance quotes immediately to reinstate your license.

A full unrestricted driver’s license is valid for a few years; the validity of learner’s permit and restricted license are different. Before your license expires, the DHSMV (Department of Highway Safety and Motor Vehicles) will mail a renewal notice. You are actually allowed to renew the valid license up to 18 months before it expires. If you are caught without valid driver’s license, you will receive a traffic ticket, probably your car will be impounded, points added to driving record, etc. If at that time you have valid insurance, the company will not cancel your policy unless you keep the driver’s license expired until the day of insurance renewal. The DMV will not inform about this issue to any car insurance, but your insurer will probably notice the tickets in your driving records.

DMV allows you to renew the license up to 12 months after the expiration date, but you have to pay additional late fee. Insurance companies normally check your driving record before renewal; if the company finds that you have not yet reinstated the license, you may not be allowed to renew whatever coverage you currently have. As mentioned earlier, having valid driver’s license is one of the basic requirements to get auto insurance. Without it, you may not be able to purchase auto insurance coverage. You will be able to get car insurance quotes again after you renew the license. The rules regarding this issue can be different from company to company, meaning you have to consult an agent or simply call your insurer for specific details.

DMV does not notify any car insurance about every update in your driving record; the company has to ask for this information. The updated driving record will be used as variable to determine new premium rates or if your policy can be renewed. An expired driver’s license ticket is not actually a major offense, so the worst thing that can happen is increased premium. The exact amount of the increase depends on the company.

Car Insurance With SR22 or FR44 After DWI or DUI to Regain License

Car insurance with SR22 or FR44 filing is required in most states for DWI or DUI drivers. This type of car insurance policy is tailored to meet coverage and other requirements specific to each state. SR22 and FR44 are the names of the forms used to document and submit (file) proof of insurance compliance. This is often the last step before convicted drivers regain their license. The process is similar everywhere with some distinct differences in a few states.

Each state legislature determines requirements, and their respective Department of Motor Vehicles administers the process. In 2007 and 2008 Florida and Virginia began to separate DUI convictions by using Form FR44 exclusively for them, while maintaining the SR22 form for all other high risk drivers. The FR44 compliant policy includes $300,000 of liability limits in Florida while its SR22 requires $30,000. In Virginia it is $100,000 for the FR44 and $50,000 for the SR22. Texas increased its liability requirement for their DWI drivers in 2011. Since 1980 Mothers Against Drunk Drivers (MADD) has brought this issue to the forefront and states have responded by continuously doing more to deter drinking and driving.

Another trend toward deterrence has emerged due to the sluggish economy because of vigorous enforcement. Local municipalities and states with diminishing revenues are aggressively seeking out drivers to collect fines and fees. Additional administrative and underwriting (insuring) requirements, to enhance deterrence, will likely continue by most states. Current notable differences between some major states include California and Florida having a 3 year compliance period and Texas 2. New York, North Carolina, Delaware, Kentucky, Minnesota, New Mexico, Oklahoma and Pennsylvania do not require FR44 or SR22 altogether. Finding out the exact requirements where you live is critical in securing a policy for license reinstatement.

Florida and Virginia, the only two states that require FR44 insurance for their DUI drivers has enjoyed much success from this program. For a number of reasons it turns out that FR44 car insurance is a benefit for everyone, including the policyholder. All states have 0.08 blood alcohol percentage as their standard legal limit. Likewise, FR44 insurance for DUI drivers may become a standard for all states due to its success in Florida and Virginia.

Car insurance policies from wherever you live with either a DUI, DWI, FR44 or SR22 are all very similar. However, the differences are critical in getting your license reinstated and how much you pay. Keep in mind requirements frequently change for convicted drivers. A knowledgeable independent insurance agent, licensed in your state, can explain the exact requirements needed and how much it will cost. The same agent can start the process by completing, binding, and submitting an application to the insurance company. The SR22 or FR44 Form is usually generated at point of sale, and submitted electronically as is required in Florida. A duplicate copy can generally be given to the applicant and brought to the DMV to expedite license reinstatement.