Many people are under the impression that you are not able to get car insurance if you are not a valid driver’s license holder. This can be especially trying for illegal immigrants who are unable to obtain a drivers license. Most of the time these drivers will continue to travel on the roads without a valid driver’s license or car insurance! In a lot of cases the drivers would actually like to be insured, for their own security and that of the other drivers on the road, but they are unsure of whether they can get insured without a license.
Luckily, there are many auto insurance companies that will insure people without drivers or learners licenses. It is better to have an insured unlicensed driver on the road than an uninsured unlicensed driver. There may be laws against driver’s licenses being issued to illegal immigrants, but there are no laws stipulating that unlicensed drivers cannot be insured. This is quite fortunate, as an unlicensed driver may not be as experienced as a licensed driver. This could be privy to more accidents occurring.
There are people on both sides of the fence. There are those who believe that it is wise to insure unlicensed drivers. What happens if the unlicensed driver has an accident? What happens if they hit into another driver? There could be many miserable parties should an accident occur. In a lot of the instances, the unlicensed drivers are not normally the wealthiest of people, and if they were to be in an accident, the likelihood of them being able to pay for repairs to the damages on their car or anyone else’s vehicle slim. The other bracket of people may argue that insuring unlicensed drivers is giving them the permission to continue driving illegally.
Unfortunately for unlicensed drivers, the premiums on the car insurance policies will usually be a lot higher than for people holding a valid license. This is because they will usually not have a driving record for the insurance company to revert back to. In some countries there are points awarded to a license for years of driving without crashing. If there is no license, then there will be no points awarded.
Now the trick is to educate illegal drivers about the availability of vehicle insurance. A large quantity of unlicensed drivers may not be educated regarding car insurance. This is because most unlicensed drivers are illegal immigrants who may not have their complete education either! They could be afraid that they will be ratted out for having no license if they approach an insurance company. This is not the case, as auto insurance companies are in no position to criticize or prosecute an unlicensed driver. All they need is a valid ID card to confirm their identity, and usually a proof of residence. The insurance company will then take other factors into consideration to come up with the cost of the premium. These will be the regular considerations such as which kind of car is being driven, the age of the driver, whether the car has a sufficient security system and is kept in a locked garage or not. These, bar the age factor, are all something that can be worked with to organize a lower premium.
