[blessu2]

Can my auto insurer force me to keep insuring a resident of our home with a suspended license?

[blessu2]

Do all suspened drivers within your household have to be on your policy

[Wondergirl]

Each driver should have his own policy. How long is the suspension to be?

[sharper11]

Most insurance carriers will force you to insure LICENSED Drivers. I believe it is illegal to insure an non-licensed driver (which would be someone with a suspended license). I would triple check with the insurance carrier though.
When that person gets their license back, you will need to insure them if they are living with you.

[Alty]

That's odd. There's no reason to insure someone without a license, which is what a suspended license amounts to.

If he/she has his/her own vehicle than even with a suspended license it will have to be insured, not full coverage, but at least for fire and theft if the vehicle is paid for. If he/she has a leased vehicle, or a lean on the vehicle, full coverage is required regardless of his/her driving status.

It depends on a lot of things. How old is he/she? How many people of driving age reside in the home? How many vehicles do you have? Why was his/her license suspended? Does he/she ever use any of the vehicles even though his/her license is suspended? Does he/she own one of the vehicles?

[Alty]

Please keep all related questions on the same thread.

https://www.askmehelpdesk.com/insura...me-533469.html

[twinkiedooter]

can my auto insurer force me to keep insuring a resident of our home with a suspended license?

Contact a different insurance carrier and get a quote from them and leave the driver with the suspension completely off any info you provide to them. Technically your current carrier can't demand that you keep a driver insured when they technically are not permitted to drive.

[Fr_Chuck]

You can have a person specificly named as not insured.
So you can't let them drive your car. If they are driving your car they will have to be insuranced

[Alty]

There are stipulations that can be added to a policy as well. Keep in mind that I'm in Canada, so I'm not entirely sure that these stipulations are available in the US, and if they are they may be named something else.

You can have an sef 28 and an sef 8a added to the policy. That lists any driver in your home that is not insured, or a risk to drive the vehicles in said home. The stipulations will state a specific deductible for that person, usually starting at $10,000. If that person drives one of the vehicles in your home and has an accident, the deductible would then be $10,000. It's a way for the insurance company to guarantee that a suspended or dangerous driver does not drive the vehicles in his/her possession. You, the insured would be responsible for the $10,000, not the driver. But, with this stipulation you would not need to insure the suspended driver on any of the vehicles.

I'm speaking from an underwriters point of view. When an underwriter views a policy he/she looks at all possibilities. If there are 3 vehicles in the home, and three licensed drivers, than it's safe to assume that there are three people that need to be insured for said vehicles.

This may be what's going on in your household, which is why I asked for more information. Sadly a suspended license does not guarantee that the person won't drive. So if he/she is residing with you, even with a suspended license, if you have a vehicle available to him/her, the insurance company has to assume that he/she is making use of it. The sef 28 and sef 8a will get you off the hook for insuring this driver, unless of course he/she owns one of the vehicles. But, if he/she is caught driving one of the vehicles, after you've stated that he/she does not, you will pay.

Many times insurance companies will hire P.I.'s if they're suspicious of a policy holder and the info given. A lot of people try to get cheaper insurance by pretending that there are only one or two people driving when in fact everyone in the household is making use of the vehicles.

More info would be helpful. And the country you live in would be as well.