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 Posted: Fri Aug 28, 2009 1:41 am Post subject: Can you get Auto Insurance without a Drivers licence??? |
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| I need to get a car registered but dont have a DL |
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brevan1112
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| Posted: Fri Aug 28, 2009 9:31 am Post subject: |
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Well, my friend you've not mentioned which place you're from?
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anonymous00
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| Posted: Fri Aug 28, 2009 9:58 am Post subject: insurance |
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| (Putting my '2 cents' in). I'm from PA. I have Nationwide Insurance...have dealt with them a VERY long time. I couldn't get Auto Insurance, with them, unless I had a valid DL. I really don't know about any other state, reguarding this. |
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sdchargersfan
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Joined: 21 Aug 2007
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| Posted: Fri Aug 28, 2009 10:33 am Post subject: |
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It would seem that owning & insuring a car would be Legal in most states (with or without a drivers license) ...... BUT......... it would also seem that one would Pay a higher Price for that coverage. Along with being limited to buying insurance from A Specialty Company [ similar to that of being insured after a DUI ].
One would think the reason for the Higher price would be due to the Owner *NOT* being the primary driver of this car (since they don't have a driver's license) which would leave the Insurer taking on an unknown amount of Risk. How would the Insurer know if the frequent driver of this car was being driven by a Good driver [low risk] or some Really Really bad driver that can't insure him/her own car [high risk]. Thus leaving the Specialty Co. setting rates with the assumption that the primary driver is a High Risk driver.
This is Just My Opinion and not necessarily even close to being correct.
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That's my 2¢ worth for now. ( maybe ± a couple ¢ ) 
FK, |
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FK
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Location: Pa.
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| Posted: Fri Aug 28, 2009 10:38 am Post subject: insurance |
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| I see your point on this one, FK. But..I would think if you went to an Insurance Comapny and tried to get Auto Insurance and didn't have a valid DL, this would be a 'red flag' for the Insurance Company. Some people, on the Forum ,had talked about insuring OTHER people's autos. Why, in the world would you want to do that!!?? If the car gets wrecked, the driver of the car has been DUI, etc....ALLL of this can go AQAINST the 'owner' of the Insurance policy. |
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sdchargersfan
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| Posted: Fri Aug 28, 2009 12:13 pm Post subject: |
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sdchargersfan,
Let me offer an example.
Lets say I'm 80 years old, own a good running reliable car, but I don't feel capable of driving it, and let my driver's license expire. The nearest Pharmacy is 18 miles away. I can't walk that far....
My neighbor's son has a license but no car. Soooooooo, I hire him to drive me to town in my car to get my prescriptions, groceries, etc. It's a great solution too my problem. My teenaged neighbor earns a little extra cash and I can get to town without feeling like I'm accepting charity from the neighbors.
Its a Win, Win, for us all.
PS. also... I will be in the passenger's seat each & every time that car is driven by my neighbor or anyone else. There will be NO speeding, reckless driving, or drinking.
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That's my 2¢ worth for now. ( maybe ± a couple ¢ )
FK, |
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FK
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Posts: 250
Location: Pa.
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| Posted: Thu Sep 10, 2009 5:20 pm Post subject: Many Texas insurers will cover non-licensed drivers |
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There is quite a market for auto insurance for drivers that do not carry a valid drivers license in Texas, particularly since the Texas Department of Public Safety adopted Admin rule 37 T.A.C. 15.171 on August 25, 2008. This rule requires applicants to prove they are lawfully permitted to be in the US before they are issued a Texas drivers license.
With that said, many insurers have loosened their underwriting guidelines and actually advertise for the "non-licensed" business. Apparently many find it profitable.
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AnMarieB
Insurance Technologies Corporation
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AnMarieB
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Joined: 21 Jul 2009
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Location: Dallas, Texas
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| Posted: Sat Sep 12, 2009 6:19 am Post subject: |
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| Quote: | | With that said, many insurers have loosened their underwriting guidelines and actually advertise for the "non-licensed" business. |
I'm sure they'd be fetching a higher cost out of these non-licensed drivers. But I'm wondering about the clauses they'd need to modify in order to avoid more risks.
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anonymous00
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