Do you need insurance with a temporary driver's licenses?

Answer 1

Of course you need insurance regardless of the type of drivers license. If you own a car and have someone else drive you insurance on the car is still needed with the drivers who operate the car listed on the application. Insurance companies have gotten tired of paying claims on vehicles with drivers not listed on the policy. I am seeing more and more cases where the insurance company is denying the claims for material misrepresentation (lying). Most state laws require that all vehicles have liability insurance to be on the road. Here in Georgia, a system is in place where the insurance companies notify the state whenever a policy is cancelled or written and the registration will be cancelled if you don't have insurance as well as fines imposed for any lapse in coverage. The notifications are all electronic directly from the companies to the Georgia Department of Motor Vehicles. As a matter of full disclosure, I own and operate a small Independent Insurance Agency in Georgia and have for 22 years. I also was an agent for a direct writer insurance company for 3 years prior.