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If you don’t even have a car license in New York, you may have assumed that getting insurance is impossible. Why would anyone allow someone to pay for car insurance if they don’t have a license to drive a car? Fortunately, things are not so black and white.
There are some key circumstances that will allow you to acquire car insurance with no license in New York but you will have to understand a few key rules first.
Reasons Why You May Want Car Insurance with No License in New York
While you are not allowed to drive without a license, you may be living with people who do own a license but do not own a car or car insurance. This could be relatives, sons or daughters, roommates or anyone that you may be guardian to.
It could be the case that you can temporarily no longer drive due to health reasons or aging. Regardless, it can be useful to acquire car insurance with no license in New York just in case someone you know wants to use your vehicle.
How to Acquire Car Insurance with No License in New York
While it certainly isn’t going to be as easy as doing it with a license, New York, New York will allow you to get car insurance without a license just as long as you know the rules.
What you need to understand is that auto insurance companies always ask for a valid driver’s license number. This driver’s license number is always found on—you guessed it—your driver’s license. But without a license, things can get a little tricky.
While auto insurance companies generally don’t like insuring people without this valid number, there is a workaround: providing the valid driver’s license number of the person who is meant to be the primary driver of your car. This could be your roommate, your spouse, a child or even a personal chauffer.
As long as you explain your circumstance to the insurance company, whether it be due to health reasons or aging, then they will likely understand your situation and that you are not going to be driving despite being the one paying for car insurance.
It is also important to note that in New York, NY the primary driver does not have to be someone who lives with you. But in that case, the auto insurance company will definitely need their personal information like their full name and address, along with their valid driver’s license number.
You may also have to jump through different hoops depending on the auto insurance company you select. Some of them don’t require you to list a primary driver while others do. Not to mention that there could be specific caveats or stipulations specific to your state.
Acquiring Car Insurance in New York with a Suspended License
It is one thing to get car insurance with no license in New York, but if you are trying to do so with a suspended license then things become more complicated.
A suspended license comes into play when a driver has committed a crime or incompetence behind the wheel. Good examples include causing an accident while driving without insurance, being convicted of multiple offenses in a short time period or getting a DUI (Driving Under the Influence).
Depending on the nature of your suspension, the state you live in and what the car insurance company deems acceptable, you may or may not be able to acquire car insurance without a license in New York if you are considered to be too risky of a client. Keep this in mind if your license was suspended rather than merely expired.