There are several options available for individuals who are not allowed to drive to still obtain car insurance. One option is to purchase a policy that covers the vehicle while it is being driven by someone else. This type of policy is typically called permissive use coverage and allows the owner of the vehicle to give permission for someone else to drive the car. This type of coverage is useful for individuals who do not have a driver's license but still need to have a car for someone else to drive.
Another option is to purchase a policy that covers the vehicle while it is being stored or in transit. This type of policy is typically called laid-up coverage and is designed for vehicles that are not being driven for an extended period of time, such as during restoration or repair. This type of coverage can be useful for individuals who are not allowed to drive but still need to have a car for occasional use.
In some states, it is possible to pause or suspend auto insurance coverage for a period of time if the vehicle is not being driven. This option is typically available for individuals who are unable to drive due to a medical condition or other temporary disability. However, it is important to note that this option may not be available in all states and may be subject to certain restrictions and requirements.
It is important to note that driving without insurance is illegal in most states and can result in serious consequences, including fines, license suspension, and even jail time. Therefore, it is important to explore these options and choose the one that best fits your needs and circumstances.