What Happens to Your Insurance After Driving Without a License?

Driving without a license is illegal and can result in fines, penalties, or even jail time, depending on the circumstances, and can create major problems for your insurance, especially if you’re involved in an accident. Without a valid license, your insurer might deem you an increased risk on the road, leading to higher rates or, in some cases, a complete loss of coverage.

Insurance companies generally view driving without a license as a serious violation of policy terms, as most policies require drivers to be properly licensed. While each insurer may have different policies, unlicensed driving not only carries legal consequences but could possibly lead to higher premiums, coverage denial, or even policy cancellation. Attorney Hillel Traub has over 30 years of experience helping Maryland drivers handle traffic violations and insurance complications. His extensive knowledge of Maryland laws and his experience as a former MVA lawyer can provide the guidance you need to address these challenges effectively.

How Does Driving Without a License Affect Your Insurance?

Driving without a license directly impacts your car insurance in the following ways:

Insurance Coverage Could Be Denied

One of the most immediate consequences of driving without a license is your insurance company could refuse to provide coverage, especially if you’re involved in an accident. Most insurance policies require drivers to be properly licensed, and failure to meet this requirement may invalidate your coverage.

If you have an accident while driving without a license, your insurer may deny your claim. This means you could be personally responsible for covering repair costs, medical bills, and any liability expenses. Additionally, your insurance company may refuse to offer future coverage, making it difficult for you to find a policy later. Because driving without a license is illegal, you may also face legal penalties beyond insurance complications.

Increased Insurance Premiums

If your insurer decides to keep you as a customer, you may see a significant increase in your premiums. Insurers consider unlicensed drivers to be at higher risk, and as a result, they may raise your rates to compensate for that perceived risk. Even if you manage to keep your policy, you could end up paying much more than you did before.

The more risk an insurance company perceives, the higher the premiums will be. Driving without a license could be seen as a major risk factor. Other insurers may also see your history and refuse to offer coverage, making it difficult to find more cost-effective options.

Possible Policy Cancellation

In some cases, your insurance company may choose to cancel your policy if they find out you’re driving without a license. Insurance companies are required to be informed of any significant changes to a driver’s status, and driving without a valid license qualifies as such a change. If your insurer cancels your policy, you’ll need to find new insurance. However, you may be classified as a “high-risk” driver, which could make coverage more expensive. Additionally, a license suspension or revocation could make it even harder to legally obtain insurance.

Can You Get Insurance After Driving Without a License?

If your insurance policy is canceled or you have difficulty obtaining coverage due to driving without a license, it can be challenging—but not impossible—to get insured in the future. Here’s how to navigate the situation:

SR-22 Insurance

In some cases, you may be required to file an SR-22 form, which is a certificate of financial responsibility. This form is often required for drivers who have committed serious offenses, such as driving without a license, DUI, or reckless driving. Filing an SR-22 can help you get back on the road legally and prove that you have the required insurance. However, before obtaining SR-22 insurance, you may need to take steps to reinstate your driver’s license.

High-Risk Insurance

If your insurer refuses to provide coverage due to your unlicensed driving history, you may need to purchase high-risk car insurance. High-risk insurance policies are designed for drivers with a history of violations and can be significantly more expensive than regular policies.

Partner with a Former MVA Attorney For Skilled Representation

If driving without a license has impacted your insurance or led to legal challenges, you don’t have to face it alone. Beyond insurance issues, you could be facing fines, license suspension, or even jail time, depending on the severity of the violation. At The Law Office of Hillel Traub, we understand how overwhelming these situations can be. With over 30 years of experience handling Maryland traffic violations, Attorney Hillel Traub may be able to help you navigate the complex insurance and legal hurdles ahead. As a former MVA lawyer, he brings unparalleled knowledge of Maryland’s traffic laws and administrative processes, giving you an edge when addressing these issues.

We know how to work with insurance companies and explore all available options to help protect your rights. Whether you’re dealing with policy cancellations, increased premiums, or SR-22 filings, we’re ready to offer you practical solutions tailored to your situation. Call (410) 580-1100 today or visit our contact form to get started.