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I am disabled and gave up my driver’s license due to health issues but still own a car. Can I still get car insurance?

Yes, you own the car, so you can obtain car insurance for it. In fact, you’re legally obligated to do so.

You will, however, need to shop around to find a car insurance company that is right for your needs.

Your situation requires you to find an auto insurer that will allow you to be the named insured, but excluded as a driver. Be aware, you’ll need have a licensed driver to list on your car insurance policy as the primary driver of your vehicle.

  • You can get car insurance even if you are disabled and cannot drive. You will need to find an auto insurer that will allow you to be the named insured but excluded as a driver.
  • Be aware that you’ll need to have a licensed driver listed on your car insurance policy as the primary driver of your vehicle.
  • To keep your rates lower, ensure your primary driver has a good driving record with no accidents or tickets.

If you’re keeping your car so that a relative, friend or caregiver can drive you around to appointments and errands, then place the person who will be driving you around the most on your auto policy. A licensed driver is necessary because the car insurance company to have a driver history to base rates on.

To keep your car insurance rates lower, make certain your primary driver has a good driving record. Past accidents or tickets of the driver would cause that person to appear more of a risk to the insurer and raise your rates.

Even though you aren’t driving any longer, remember to keep decent liability limits. (See Insurance.com's Auto Insurance Coverage Calculator.) As the car owner, you have vicarious liability for the actions of the driver.

If the driver crashes, it’s your car insurance policy that would be used for the accident. And if your limits are exceeded, you and your driver would be on the hook for any outstanding damages resulting from the incident.

Because of these risks, it's probably a bad idea to suspend the entire policy. If you're keen on suspending it, see if you can suspend portions of the policy and maintain comprehensive insurance.

What if your insurance company doesn't let you suspend coverage? To avoid such a situation, know the type of auto insurance you choose in and out. Don't even think about not paying the premium and letting the insurer cancel it. With a cancelled insurance policy due to nonpayment on your record, insurers will consider you a big risk. You'll pay higher premiums as a result once you're ready to purchase another car insurance policy – even if you go through a different company.

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