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Will your rates go up when car was impounded for unlicensed driver?

Whether your rates will go up when your car is impounded for unlicensed driver depends on several factors, including your insurance policy and the insurance company's guidelines. Here's a general explanation:

1. Policy Terms: Your insurance policy may have specific provisions related to unlicensed driver coverage and rate increases. Read your policy carefully to understand the terms and conditions. Some policies may include an exclusion or higher rates for situations involving unlicensed drivers.

2. Claim History: If your car is impounded due to an unlicensed driver, it could be considered a traffic violation or a breach of the policy's terms. Depending on your insurance company's policy, filing a claim for the impoundment may lead to an increase in your premiums.

3. State Laws: In some states, the insurance company may be required by law to increase your rates after certain violations, including driving without a license.

4. Underwriting Factors: Insurance companies use various factors to determine your insurance rates, including your driving history, age, location, and type of vehicle. An incident involving an unlicensed driver may impact these factors and result in a rate increase.

5. Surcharges and Penalties: Some states or insurance companies may impose surcharges or penalties on your insurance policy if you are caught driving with an unlicensed driver. These surcharges can increase your rates for a period of time.

It's essential to contact your insurance company and discuss your specific situation to determine the potential impact on your rates. Some companies may offer options such as a driver education course or defensive driving program to help reduce the rate increase.

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