Liability Insurance

[kelzm 0]

Hi all,

I've been trying to find a way to get drivers insurance without having a CA drivers license.

This is for two reasons

1 - when I visit my husband I often drive around in his car. Even if I have travel insurance it won't cover me for any liability if I have an accident. This effectively means I'm driving around uninsured.

2 - CA drivers license requires a SSN# before you can apply. I know there's a downtime of 2 - 4 weeks (average) before you get your greencard and SSN# sent to you. I'm hoping to use that downtime to take my son for a trip to Disneyland and will be driving us there, I'd like to be insured.

Does anyone know of a company that will insure visitors or those with a foreign drivers license?

[Dr. Obvious 49]

I will give you my strange experience with this. My state is Indiana, but the situation is otherwise the same.

I called up my insurance company (Unitrin) and asked them about adding my husband. They flat out told me they would not do it until he got a US license. Furthermore, I was to fill out a form excluding him or put my own policy in jeopardy. I did this.

I thought that was the end of it until I got notice of a policy change a few weeks later where they added BOTH my husband and my under 25 brother. I never ever requested that my brother be added, but they said that because he was under 25 and living in the same house he had to be added despite having his own insurance. The only way I could get rid of him was to exclude him. Why this was impossible over the phone, I have no idea. They also asked me if I wanted to exclude my husband. I told them I didn't understand because I had spoken to the underwriting department a few weeks earlier and they told me under no circumstance would they insure my husband under a foreign license, but apparently, now you can if you didn't receive some form that got lost in the mail?

Needless to say, they had no answer, but for $43 additional dollars for the remaining 5 months on my bought and paid for policy, they would allow him to remain on the policy. They policy they said that there was no way they could add him. Whatever.

For you, you could always rent a car and you could buy supplemental insurance for the rental period to go to Disneyland.

[kelzm 0]

Thanks for posting.

Your experience sounds weird and frustrating!

My husband called his insurance company when I was last over and they said they'd only add me if I got a CA drivers license. I think you may be right, the best way will be to rent a car and drive it to Disneyland.

Bit of a waste of money since I'll have my own car sitting there doing nothing, but oh well.