what if i dont have a car and im living at friends house with no address for myself do i need to have my own auto insurance when i get back my license from suspension?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Aug 21, 2015

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Insurance Question from Fruitland, MD

Asked on 08/21/2015

what if i dont have a car and im living at friends house with no address for myself do i need to have my own auto insurance when i get back my license from suspension? Im 19 and a college student. when my license got suspended my parents took me off their auto insurance and told me not to get license in their address when i am able to get it back. Am i allowed to put a friends home address for my license cause thats where im staying at now and do i need to get an auto insurance even thought i dont have a car?

Answer given on August 24, 2015

In most states you need to provide proof of auto insurance in order to get your suspended driver’s license reinstated.If you do not have a car, you can still provide the proof of insurance through a different type of policy called a “non owned auto” insurance policy.Many insurance companies offer this, however, the most likely is through a specialty insurance company that writes insurance for drivers with driving record issues. These companies offer monthly installments and will be more willing to write insurance for you when you do get a car, since that is their area of expertise.Talk to an independent insurance agent, or go online to find the best available premium for your needs. Much of the time you can do this with a small down payment. The online companies are probably easier to work with, but if you want an agent, then a local independent agent is the way to go. Shop around before you make a decision since refunds are usually not available with these companies.


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