Eligibility

Can I purchase a car and put it on my mom’s insurance if i don’t have a license?

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.

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Coverage & Claims
Eligibility

Risk of assets for separate car insurance policy

Although you have separate car insurance policies, your mutual assets would still be at risk because you are married. Your husband's car insurance would be the one to pay for the damages but if the damages exceed his policy limits for liability then your husband would be responsible for the remaining damages.

Coverage & Claims

My 17yo son lost his license, what do I do with the insurance?

The decision will ultimately be determined by the policy rules of your insurance company. Because he won't be driving for 6 months but is of driving age, your best bet would be to see if you could "exclude" him from your policy for the duration of his suspension.

Eligibility

Can I still get car insurance if I'm not licensed and can't drive?

What you would need to do is have a policy written in your name, add the person who drives you around, and have yourself excluded from the policy. So the policy would basically be yours but you aren't covered as a driver so you shouldn't impact the rate as a driver.

Eligibility

Can I get car insurance if I don't have a license?

The majority of insurance companies require that you have a valid license before issuing a policy. However, there are companies that will issue coverage with just a state ID.

Coverage & Claims

Should I pay for damage out of pocket or file a claim with my insurance company?

A car accident can have a fairly significant impact on your rates so if they damage is not extensive, as you say, you might want to consider paying for the damage out of pocket. Ultimately, that decision is up to you, but our State of Insurance Report (page 58) shows that at fault accidents in North Carolina will cause an average rate increase of $426 per year to your policy.
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