Getting insurance with a restricted license?

Question

I have a restricted license in TX, since I've never went back to take the driving part of the test (not due to a suspension). Still, I own 2 cars and my insurance has been cheap - including full coverage.

I'm wondering though if the auto insurance companies can tell if my license is restricted? I didn't tell them, fearing they'd deny me.

I've never gotten in an accident but I was told the insurance company may try to get out of paying if I did, considering the restriction.

I've been driving for years now, with no accidents, no tickets. I know I need to take my butt down to the DMV and take that test - and I'm definitely going to within the next month. Meanwhile I want my cars to be covered.

Did the insurance company already know when I applied, that I had the restriction? Or, if they didn't, so long as I hurry up and take the driving part my car will be covered then?

I'm worried now because I just got the second car and it's kind of precious to me. LOL :-)

FYI - I was a student with no car for a LONG time and, when I finally did, very little driving. Plus, then I didn't have a lot of control over my schedule, or funds. Now, new to the job so harder to take time off. But, I definitely will in January.

If they knew about the restriction but approved the policy anyway why then wouldn't I be covered? By not immediately canceling the policy they're giving me the impression that everything is OK.

I know I'm not innocent in this but if they really knew that early on they can't claim ignorance later, IMO. I feel that if they're willing to charge me, knowing about the restriction (despite my omission), then they should cover me.

But, as I said, I will finish the test asap. I'm not planning to get into any accidents, hopefully ever, but my continuously paying for the policy should mean something.

Though, I am certain that I'll save A LOT of money by switching to Geico. But I was pretty sure they'd be able to run some kind of check and would deny me. It is interesting to know that they all have that ability yet some will give you the impression that everything is OK.

Answer 1

i own a shop,and i have a friend who has a restricted license,,id say they know about it,,but if you want to you can call them and ask id say its not going to make much of a difference,but as far as them knowing id say they already know this,,you could have someone else call from another phone,and ask them if it effect a person with restricted license,,this way you can find out without them knowing about it,,good luck hope this help,s.,,have a good x-mas.,,PS i just called my insurance company from my cell phone,,and they said the rates would be the same,and its farm bureau ins,good luck.

Answer 2

The insurance company knew, at least within a few days, that your license was/is restricted. AND---if you get in an accident, the insurance company will not pay---as you are not a properly licensed driver, or not abiding by the rules of the restriction(perhaps having a licensed driver with you). Insurance companies run checks on everyone who applies for insurance and know if license is suspended, restricted, whatever. You had the best advice for yourself---go ASAP and finish up your test, and then you won't have any worries---and in fact, as cheap as you think your insurance is---you may get lucky enough that it goes down even further, since you will have a license with no restrictions.

Insurance companies issue insurance to people with restricted/no licenses, especially full coverage, because there are other issues that fall under the areas of coverage--theft, hail damage, etc. Restricted also, often means, that you CAN drive the car IF you have a licensed driver with you.

Answer 3

The insurance agency that I work for would never sell a policy with out a legal driver license.Maybe not the original but at least the paper license that they give you once you pass your driving test. The insurance company need a driver license number to able to sell the policy. I think your driving without a coverage and any time the insurance company will cancel your policy. Try to find out what's the status of your policy.

Answer 4

You haven't bothered to tell us what the restriction is. I've got a "restricted" license in that I have to wear corrective lenses when I drive. That wouldn't be a factor.

You say that it's because you never took "the driving part of the test". That leads me to think that you have a Learner's Permit, not a license. If that's the case, your insurance is void any time you drive as you are unlicensed.

Answer 5

Sir, sorry to tell you this, but you aren't driving with a restricted license, you are driving with no license. If you never took the remainder of the test and were licensed, you have no license. If you are in an accident, your insurance, despite how much cash they took from you, will NOT cover you. Get your license NOW!