Having your license temporarily suspended can be a challenging time in your life. It might have stemmed from poor decisions while driving, such as driving under the influence and over speeding. Aside from these reasons, it can also be suspended for reasons; ranging from unpaid parking tickets to major legal issues like drug charges or unpaid child support. Whatever the reason might be, having your license suspended is like giving you a sentence which will force you to find another way to live your life; i.e. go to work, pick up groceries, or even get around town.
If the worst happened and your involvement in an accident was the reason behind your license being suspended, you may be considering purchasing a vehicle while your license is suspended so you can have your life back as soon as possible. The only question being — can you buy a car with a suspended license?
Most state laws allow purchasing a vehicle with a suspended license. Technically speaking, nothing is stopping you from buying a car with a suspended license. All dealerships can have your money and sell you a car. So to our hanging question, “Can you buy a car with a suspended license?” The short answer is yes. You can definitely buy a vehicle without insurance.
However, more questions begin to resurface from here. Can you take the vehicle out of the lot? Can you purchase insurance for it? Will you be allowed to go through the process of registering the vehicle?
Registering A Vehicle With A Suspended License
More often than not, you can still register a car with a suspended license. However, this comes with a consequence as it is illegal to drive a vehicle while you are under suspension. You can have the car driven instead by another legally licensed driver; that is, provided that it has gone through registration and is insured.
For example, in most states, a driver’s license and a vehicle license registration can work separately so that one does not affect the other. Therefore, registering a vehicle with a suspended license is possible.
It is important to note, however, that if you do drive your registered car with a suspended license and you get involved in an accident, the insurance company will not be liable to pay anything. When your license gets suspended, its insurance is also put on hold until you get your driver’s license back. This is to keep anyone from breaking the law while driving on a suspended license. All things considered, the best option for you will be to wait until you get your license back. If you obtain injuries from an accident, that would mean a list of bills you are going to pay off by yourself.
Financing A Car Without A License
If you have a suspended license, can you get an approval for an auto loan? The approval will depend on the policies observed by the lender and dealership. Even with a suspended license, you might just be able to get an auto loan if you have a valid state I.D but most of the time, lenders look at a suspended license as a deal-breaker or a red flag, especially if the reason behind your suspension has something to do with a serious vehicle offense. If you have a good record with your bank, there might be a possibility that they’ll say yes to your financing a car without a license.
Getting Car Insurance With A Suspended License
Basically, you can still get car insurance even if your license was suspended. However, as you may know by now, it is not possible for you to drive legally without your license. With a suspended driver’s license, insurance companies mostly cancel or ignore renewal of insurance policies. The insurance company will be informed of your license suspension once they look at your vehicle report at the time of the supposed renewal of your policy.
The best option to getting car insurance with a suspended license is through joining somebody else’s policy. You will need to include the policy holder’s name in the car’s title in this case, though. If in case you don’t have someone to be your policy holder, you might want to consider availing a comprehensive insurance only policy.
It is important at this stage to find an insurance company that is willing to cover you with comprehensive insurance for a car which will stay in a lot and which no one will drive. You might also be asked to file an affidavit which states that you are not going to use the vehicle considering your current situation.
Good to Know
Whichever option you might want to choose, it is important to remind yourself not to drive a vehicle while your license is suspended. Being involved in an accident will make you lose your license for an even longer period of time. A worst case scenario might even result in imprisonment depending on the severity of the accident. It all boils down to the fact that the real problem here is whether you can or cannot purchase a car with a suspended license, the problem should be whether you should.
You should know by now that the question, “Can you buy a car with a suspended license?” only takes a short while to answer. It’s the conditions that will make the process a bit difficult for you. In the end, you should be able to weigh out the risks versus the rewards of this whole process. Buying a car while your license is suspended mostly complicates the overall affair, and can be impossible to finalize should the worst happen. But you do not have to stress too much over it, either. Remember that a license suspension is just temporary. Make sure that you observe the rules necessary to maintain car insurance to seal and secure your chance to drive off your vehicle on the road again once the suspension on your license is lifted. Once you have it back, you can finally return to your usual everyday routine. Ride safe!