Q: I have LL insurance on my vehicle. While test driving a private owned vehicle got speeding ticket, he has no insurance
I have limited liability insurance currently on my vehicle that I own. I currently have my drivers license in Indiana. It broke down and while test driving a newer uninsured privately owned vehicle, I got a speeding ticket in kosciusko county, Indiana. When the speeding ticket goes through, I, as the driver, will be asked to provide insurance on the van I did not own. I now know the owner of the van did not have insurance at the time. I'm also told I cannot get insurance to cover me in someone elses vehicle at all that I am not on the title. Will my limited liability insurance that I carry on my van cover me in this incident or will my license be suspended due to me not being able to insure this vehicle that I do not own? I am interested in any thoughts on the subject, thank you very much for your time, it is greatly appreciated.
A: Contact your insurance company to determine if your specific policy will cover you driving the other vehicle. If it will not then likely you will be suspended for Failure to Provide Proof of Insurance, which will include a 90 day license suspension. If you cannot avoid the suspension by having your insurance cover you in the other vehicle, you should contact an attorney to file for Specialized Driving Privileges (SDP) so that you can drive during the period of suspension.
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