Operating while intoxicated, unpaid traffic tickets, lack of proof of insurance, and outstanding child support payments are some of the most common reasons drivers in Baraboo, WI may face a driver’s license suspension. When dealing with a suspension, questions about how it affects your auto insurance policy often arise.
Understanding how auto insurance works during a license suspension can help you avoid additional financial and legal complications.
Does Auto Insurance Stay Active During a License Suspension?
In most cases, your auto insurance policy will remain active while your driver’s license is suspended. However, insurance carriers do take license suspensions into account when your policy comes up for renewal.
At renewal time, the carrier may choose to non-renew your policy or offer renewal with higher premiums and adjusted coverage options. If you accept the new terms, you should expect increased rates due to the elevated risk associated with a suspension.
Once your suspension is lifted, an SR-22 filing may be required to prove that you carry auto insurance meeting the minimum coverage requirements in Baraboo, WI. Whether additional coverage is necessary often depends on whether you own the insured vehicle.
If your current carrier chooses not to renew your policy, Johnsen Insurance can review options with partner carriers that offer coverage for drivers with suspended licenses. In some cases, insurers may also adjust rates once the suspension is cleared and driving habits improve.
What Happens If Your Policy Is Not Renewed?
Allowing your auto insurance policy to lapse is a serious mistake. A lapse in coverage signals high risk to insurers and can make it more difficult to reinstate your license. Maintaining insurance is often a requirement for resolving a suspension.
If standard carriers are not an option, Johnsen Insurance can help explore alternatives, including high-risk insurance carriers or options that support hardship or restricted licenses when available.
The team at Johnsen Insurance understands that license suspensions can be stressful. With years of experience handling situations like these, they are prepared to guide you through the process and help protect your coverage. Contact Johnsen Insurance to learn more about your options.
