Where Do I Get Teen Drunk Driver Insurance?
Reader’s Question:
Hello from Pennsylvania! Can anyone help me out here? My teenage son was caught drunk driving and got his insurance cut off. Now he wants to start driving again. Will we still be able to get insurance for him? Is there such a thing as drunk driver insurance?
Eric
Pittsburgh, PA
Hi there Eric. Uh-oh… Drunk driving is not good. Are you sure you want to let your son back on the road so soon? Anyway, there’s still hope for insurance although it will be trickier this time around.
You can also your auto insurance rates to go up because of your son’s tarnished driving record. If your son’s license and registration has been suspended, you will need to ask your automobile insurance company to file an SR-22 in your behalf. This is a legal document that will prove to the Pennsylvania’s Department of Motor Vehicle that you have the proper insurance coverage. This must be maintained for at least three years, and there will be reinstatement fees to be paid. I suggest you look for an insurance company that specializes in serving high-risk insurance drivers and SR-22 filings.
You may also want to look into companies that specialize in teen driving insurance. These companies will be able to provide affordable insurance rates even with your son’s record of drunk driving. How about going to online auto insurance companies websites? You can easily get cheap online auto insurance quotes from these websites free of charge! And please, next time he does go on the road, tell your son to drive safely.
Penalties For Driving Without Insurance in Pennsylvania?
Reader’s Question:
I’m from Allentown, Pennsylvania and I’m thinking, what are the penalties if you get caught driving without insurance?
Paul
Allentown, PA
If Pennsylvania Department of Transportation (PennDOT) finds your car insurance has lapsed for over thirty one days you will have your car’s registration suspended for three months. If you get caught operating the vehicle without car insurance your license will be suspended for three months as well.
The vehicle’s registration plate, card , sticker and your driver’s license must be surrendered to PennDOT to serve the suspension. Reinstatement fees of $50 and proof of valid car insurance must be submitted prior to the time your registration and/or driving privileges are to be returned.
Other than these penalties for not having car insurance on your automobile if you are cited and stopped for operating a vehicle, your car might be impounded and fines will likely result, as well as the aforementioned suspensions.
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