Reader’s Question:
Can my grandfather, a senior citizen, get car insurance if he lost his driving privilege in Carlsbad, California?
Jeremy
Carlsbad, CA
Insurance provider rues and guidelines differ but a senior citizen that has lost their driving privilege (or voluntary turned it in) should be able to get car insurance to keep on their automobile so that others may be able to operate them.
The senior citizen would need to find an insurance provider that would permit the senior citizen vehicle owner to be excluded from the car insurance policy, since they do not have a valid drivers license, and instead put on the licensed drivers that will be driving the automobile. The insurance provider will rate on the driving record of those that the senior citizen would like to drive them around.
While it is possible to obtain this type of car insurance, acquiring auto insurance without a valid driver’s license can be hard since most insurance providers will require a drivers license since that is one major basis upon which they determine the car insurance rate of the car insurance policy. Most insurance provider want the vehicle owner to be licensed.