What can cause your license to be suspended or revoked, and what can happen if you drive during this period of time? Find out why you really don't want to drive with a suspended license, how it may impact your insurance rates, and what you can do to get your license back on track.
What is a suspended license?
You cannot drive with a suspended license. You can only drive with a suspended license, if you're eligible for a restricted license that allows you to drive to and from work or school and nowhere else. Suspensions are usually temporary, but there are two types:
- A definite suspension: This type of suspension ends once the suspension period has ended and you've paid the necessary fees determined by your state. Situations that often lead to a definite suspension include drug and alcohol moving violations, driving without car insurance, or racking up too many traffic tickets.
- An indefinite suspension: This type of suspension requires that you take some sort of action in order for your suspension to be lifted, regardless of how long it takes you to do it. Depending on your state, you may have to pay child support, pay for traffic tickets, or pay taxes. Some states may indefinitely suspend your license if you have a medical condition that could make it unsafe for you to be on the road.
What can lead to a license suspension?
Every state is different, so you'll want to check with your state's DMV about license suspension laws in your area. Your license can be suspended for a number of reasons including:
- A DUI/DWI conviction
- Too many speeding tickets or traffic violations
- Too many points on your driving record
- Reckless driving charges
- A lapse in car insurance coverage
- Failing to appear in court or pay fees
- Failing to pay child support
Driving with a suspended license
You may think you can hop in the car and make a quick trip to the store while your license is suspended, but it's best not to! Getting caught with a suspended license will only make things worse. You'll likely face more fines and if you're in a car accident, the charge could escalate from a misdemeanor to felony. Driving with a suspended license is not worth the risk!
There's also a chance that your license could be revoked. This essentially means your driver's license has been canceled and no matter how long you wait, it won't be reinstated. In order to drive again, you'll have to start from ground zero with your state's Department of Motor Vehicles (DMV) and begin the licensing process all over—and that's on top of any fines or penalties you owe. If you can avoid having your license revoked, it's best to do so! The process of getting back on the road can be expensive, inconvenient, and time consuming!
How to get your license reinstated
The reinstatement process varies depending on your state, the reason for suspension, and the type of suspension in place. Check with your state's DMV for more specific information. In general, to reinstate your license you may need to:
- Wait the length of the suspension
- Pay reinstatement fees
- Show proof of auto insurance (and sometimes an SR22)
- Prove that you've completed required educational or substance abuse classes
- Pass a state driver's test
- Take care of any criminal charges that resulted in your license suspension
Your driver's license, your car insurance
If your license is suspended or you're granted a restricted license to drive in very particular situations, you may be classified as a high-risk driver by some insurance companies. If this is the case, the insurance company may cancel your coverage, increase your rates, or choose to not renew your policy.
At Direct Auto & Life Insurance you can get the coverage you need, the services you want, and the respect you deserve, regardless of your driving history. Even if you're dealing with a suspended license, we can help you get a rate you can afford and take care of any necessary paperwork, like an SR22. Just call 1-877-463-4732 or visit a Direct Auto & Life Insurance location near you!