Do You Need Insurance To Get A License for Driving Cars
In all the states of the USA, the auto insurance should be taken by each and every driver. Many people seem to wonder that do you need insurance to get a license and the answer is that though insurance is not mandatory for getting a license, it is essential for keeping the driving license to be valid, as per the laws of the land. Hence, the drivers are checked for their proper car insurance, at the time of renewal of the driving license, after undergoing all the mandatory driving tests. The presence of suitable auto insurance is the guarantee that the driver will be able to pay compensation, in case he faces with any road accident.
Reasons for the necessity of auto insurance for driving
The purchase of a car insurance policy is termed as the ‘Financial Responsibility’ of the driver, which is mandatory for everyone, who wants to drive a car on the streets in the USA. The insurance companies are liable to submit weekly reports to the local authorities in each state, regarding the updates of their customers, with their insurance and car details, so that it can be recorded that every driver is having proper insurance documents with him/her.
In many states of the USA, the driving license of a driver can be suspended, if he fails to buy and produce the documents of his car insurance, before the regulatory authority of the state. The suspended license can again be renewed, after the driver produces the certification issued by his auto insurer, but not before he pays a good amount of money as fine and even a yearly penalty.
If the driver is found to be driving in a drunk or drugged condition, only his auto insurance policy documents can save his driving license from being suspended. The driver can also be saved from further punishments by buying a car insurance policy; even if he is seen to be driving, in spite of having his license suspended.
The drivers are given tickets for violating the traffic rule of driving without proper insurance of the car and if any driver gets tickets multiple times, for this same reason, his license can be suspended.
Different US states have different kinds of penalties for not buying auto insurance policies, which include hefty fines, suspension of the driving license or the registration of the car, as well as imprisonment of a certain period in a few states.
In North Carolina State, the driver must possess a valid auto insurance policy, for the issuance of his driving license. The employed drivers can however have a fleet license, where their employers should have proper auto insurance for the cars they will be driving. But this fleet license can be turned into a fully valid driving license, by producing a DL-123 form, given by the state transport authority, where the signature of his insurance agent should be present, to prove that now he has purchased a car insurance policy.
So now the drivers know the answer to their common question ‘do you need insurance to get a license’ and the importance of auto insurance for driving their cars.
You may want to check out my other guide on Answer To the Question of Why Is My Car Insurance So High and Several Benefits of Cheap Full Coverage Auto Insurance Texas.