My License Was Suspended And Has Been Recently Restored. Will This Affect Being Added To My Company’s Insurance?

I recently accepted a job that requires me to drive company vehicles. I have a suspended license on my record due to a speeding ticket that wasn’t paid by the deadline in 2010. However, I didn’t know this and didn’t go about getting it reinstated for 3 years (I moved into a city and had no use for a car, so I didn’t drive during this time.) Once I found out, I set about rectifying this, but my license was only restored about 6 months ago. How will this affect me being added to the company’s insurance? I have no other violations and am currently insured for my personal vehicle.

  1. 15645 POINTS
    Contact Me
    Edward HarrisPRO
    Owner, Best Health And Car Insurance Rates - Instant Online Quotes, US
    Your company group auto insurance plan is likely underwritten by a major company. It's safe to assume that they will check your driving record for recent minor and major violations. Most importantly, they will verify that you are licensed in the state that you reside.

    The impact of your suspended license will depend on how stringent their guidelines are. They may say nothing and monitor your MVR report closely, or possibly take alternative action. NOTE: If you have (had) a commercial driver's license (CDL), laws and regulations are often different than a conventional state-issued license.

    Important: Answer was provided by Edward Harris, one of the leading independent brokers in the US with more than 35 years of experience. His award-winning website Carinsurancezoom.org provides consumers with the lowest auto insurance rates from top-rated companies.
    Answered on June 20, 2015
    +0
    1 Thumb up 0
    +1 this answer
    flag this answer
  2. 21750 POINTS
    Jim Winkler
    CEO/Owner, Winkler Financial Group, Houston, Texas
    That is a great question! And a hard one to answer, for a couple of reasons.The first would be is this a CDL license, one seperate from your regular driver's license? Were all driving priveleges suspended, or just CDL? Some states require all driving priveleges be lost with that suspension, others just the CDL. If you lost one, but not the other, it may make a difference. Another would be the company that you were recently hired by's insurer. They might be really sticky about that, or fairly understanding, based upon how they see the reason for the suspension. They may look at it like, "he got a speeding ticket, and just didn't pay it until years later, and only because he wanted this job, he's probably been driving on that suspended all this time" and go from there, or they might look at only that it had been suspended, but everything was taken care of and it was reinstated, which is good enough. If they check with the other insurance, and see that you've been paying for auto insurance and had a clean record, (which would lead one to assume that you had kept a regular drivers license unsuspended, or that you had moved from one State to another) you could hope that they would be lenient. I hope it works out in your favor. Thanks for asking!
    Answered on June 22, 2015
    flag this answer
  3. 447 POINTS
    Thad Bynum
    Owner/ Partner, Bynum Insurance Agency, Inc, Clayton, GA
    The short answer is probably. If you are driving a company vehicle then I would suggest that you contact your employer and advise them before they find out due to their rates increasing. You may be able to head off the problem before it happens.
    Answered on June 24, 2015
    flag this answer
  4. 2777 POINTS
    Terry A. McCarthy, CLU, ChFC
    President, Insurance Associates Agency Inc., West Chester, OH
    After we deal with the reason for the suspension not being citations and accidents, then we can look at the other possible complications. Today, computerized records and coding make the suspension a matter of record. Why were you suspended? In many jurisdictions you can have your driving record suspended for failing to pay child support, or failing to pay a parking violation. The shortest answer is that the presence of a "suspension" on your MVR is an issue that can impact your insurability in the eyes of the employer and their insurance carrier. If the suspension can be clearly tied to a non-driving activity, you may be able to prevail with the employer and their insurance carrier and have the presence of the "suspension" overlooked. If your suspension is even remotely tied to driving activities, then this reflects on behavior and accountability and will have an impact on your employer and you as a driver on the company insurance coverage. Those impacts can range from a significant surcharge to being ineligible for coverage. The choice doesn't belong to the company either. The carrier will need to be convinced your "suspension" isn't as relevant as it may otherwise appear. That is an uphill climb in most instances.
    Answered on July 6, 2015
    flag this answer
    5. Did you find these answers helpful?
    Yes
    No
    Go!

Add Your Answer To This Question

You must be logged in to add your answer.


<< Previous Question
Questions Home
Next Question >>