The simplest option is to cancel your policy completely and then purchase new coverage when your car is back on the road again. This means you won’t have to pay anything for insurance while your car is out of use. However, you won’t have any coverage in place against off-road risks like fire, theft and vandalism.

What happens if your insurance gets suspended?

What happens to my insurance if my license is suspended? Eventually, you will lose your auto insurance. If you are in the middle of your policy term, and your policy does not contain an exclusionary clause for driver suspensions, you likely will remain covered until the end of your term.

Do you need car insurance if you have a suspended license?

Suspended license car insurance is simply a car insurance policy designed for drivers who have suspended driver’s licenses. Most states will require SR-22 insurance before reinstating your driver’s license.

What to do if your drivers license is suspended?

You may be able to reinstate your license by appealing the suspension. You’ll want to follow your state’s appeals rules, but act quickly because there are deadlines for filing. You may have to file an appeal within 10 days of the suspension, depending on your state.

Can a car insurance company cancel a suspension?

It’s also very likely that your current auto insurance company will cancel or decide not to renew your policy. Your insurer will find out about a license suspension when it pulls your motor vehicle report near renewal time.

Can a car insurance policy be cancelled if a driver has lost his license?

State regulators don’t want insurance companies to automatically cancel an auto policy, even if a driver has lost his license. That’s because while one driver may make a mistake, often other drivers use the same car. Those other drivers would have no way of knowing about the license suspension.