You may be able to find a company that will insure you without a license and you would then list the person who will be driving your car on the policy. If you can't find an insurer that will insure you without a license, then the person who will be driving can get a policy in their name and list you as an excluded driver and additional interest on the policy since you have a financial claim to the car.
Car Insurance Costs
MIP is a non-moving violation, which does not impact your insurance rates. When it comes to the cost, if you're around 18-20 you can expect your premium to be quite pricier than those paid by older folks.
Yes, there are several companies that will insure you without a license. Some companies will require you to get a license within a certain time frame so make sure to find out the details before getting a policy.
Hello, You will have to have the policy in your name since you are the owner of the car. You will also need to list any person(s) that will be driving the vehicle regularly (more than once a month) as a driver on the policy.
Coverage & Claims
Since your daughter was driving her wife's car, a claim that is filed will likely be denied because you must list your spouse on the insurance policy. You have to list your spouse because they have regular access to the vehicle and you share financial responsibility.
She can get insurance in her name. Some companies will make you be listed as an excluded driver.
Yes, you can get insurance without a license. There will be a surcharge for not having a license in California.
You should be able to add your wife as a driver to the policy with a state ID for now. Most companies give you 30-60 days to provide your new license information.
You can add the car to your mom's policy as long as you are listed as a driver on the policy. Not all companies will insure you with a suspended license.
Coverage & Claims
In this instance, you may be able to have the owner of the car's insurance pay for the damages depending on their policy. If they have a permissive use policy, and the driver had permission to drive the car, they should pay for your damages.