👉 Okay, let’s tackle this wonderfully weird little mouthful of financial weirdness -
"Insurance with Suspended License."
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Now, ordinarily when I say "insurence," you probably think about a very stuffy gentleman in a grey suit trying to sell you the idea that everything will always be okay. And a "suspended license?" Frankly, it just means someone's driving privileges have been temporarily revoked! Right? Pretty straightforward stuff. 1) Here’s what actually happens – and we get delightfully complicated here. When you own a vehicle in most places (seriously, look into the weird rules of your state—it blows minds!) there is almost always an "aerial policy." Basically, this insures the car itself, not you as a driver. That's the baseline. Now, if that uninsured or underinsured driver causes an accident while they have a suspended license (maybe for texting while driving? Excessive goofiness of the 21st century, I know!), then you! – the good guy with the sensible policy and your very own aerial policy! - becomes the unfortunate recipient of a whole lotta financial fallout. Here's why it gets weird. Because that old-fangled aerial policy still stands . Your policy is basically saying "Okay, here’s money to fix this, even if I wasn’t actually behind that totally irresponsible and possibly felonious individual who was the one actually doing the driving!
