Auto and Car Insurance - Car Insurance?

Car Insurance?

My fiance does not have his license because he was caught driving without insurance (forgot to pay it!). He has to pay the state a fine (done) and then get an SR-22 and insurance before he can get his license back. How can you get insurance if you do not have a car to get insurance on? (He would be driving vehicles at his job, which is why he needs his license). He can't get insurance on my car with me, because my car is registered in my mother's name and is insured by her, I'm just on her policy. He has to get insurance before he can get his license. So his work insurance for driving vehicles wouldn't work for that because with an SR-22 you have to keep your insurance policy current for 3 years straight. (He is leaving this job in 5 months because we are moving, thus he would be without insurance again when we moved and lose his license again.) I cant see his boss wanting to pay for the extra insurance on him either since it will obviously be high with the SR-22. And I don't think you can buy a car if you don't have a license in the first place?? We can't afford another car and his insurance (because I am sure it will be ALOT! He's male, under 25, and needs an SR-22) We are not yet married. Once we are, we will get on one policy with the car. The insurance company knows where the car is, we had to pay extra for it since I am in another state.

Public Comments

well he can get the coverage were hes coverad in any car he drives so that willl take care of that
theres no way around that.. he has to buy a car inorder to get car insurance.. buy something cheap why would he need insurance for driving vehicles at his job?... isnt it a company vehicle/ vehicles.. that shouldnt require personal insurance.. unless he said so
SR-22 has three classifications : Operator's Certificate Owner's Cetificate Operator's-Owner's Certificate His classification would be Operator's Certificate which is for driving a non-owned vehicle. Progressive Insurance is but one of many companies that covers S-22. Good luck.
As another poster stated there are different kinds of SR 22 filings. In most states he would be able to buy the Non-Owners SR 22. Since SR 22's are more expensive than a regular policy I would suggest checking with an independent insurance agency. There will be able to give you price quotes from 2 to 6 different companies then you can pick the least expensive policy.
If your mom has you insured under HER policy and the vehicle isn't kept in HER house - then once the insurance finds out, they can cancel the policy or deny a claim. There is no reason why you can't add your husband to her policy. Unless mom doesn't want him, but you can just pay her the extra amount. You insurance should already know about him, since martial status is required information for insurance. Or, transfer the registration to your own name and get your own policy. Finally, your hubby can do a "named operator" policy with an sr-22 bond. Contact a local agent.
first, the people saying he has to buy a vehicle are incorrect. You can obtain a policy that is called a named non-owner policy which is basically a policy just for this scenario. The easiest thing would be to get him added to your mother's policy if she's willing. The downside would be if she is in a "preferred" company, his SR22 and suspension will probably cause her to be nonrenewed.
I would suggest a non owners sr22 filing. However it will not cover your car, but it will meet the DMV requirements to get your fiance's license reinstated