Administrative Licence Suspension
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Does an Administrative Licence Suspension (AALS) Affect Insurance?

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Administrative Licence Suspension

It will affect your auto insurance rate since you are considered a high-risk driver. Auto insurers have information on drivers with an AALS, and the classification of reckless driving, similar to any other moving violation, carries increased premiums or even cancellation of your policy entirely. You should check with your car insurance agent to see what they think before you take the risk.

AALS occurs when a state representative issues a suspension due to a conviction for a moving violation or other infraction that carries three or more points, whether it occurs in an insured vehicle or not. When the officer pulls you over and writes you a ticket, s/he reports it to your state’s motor vehicle department. If the officer finds that you were carrying too much speed, or didn’t stop when it was your turn to do so, this will trigger an AALS on your license. Other common reasons for AALS include driving without a license, having no proof of insurance and other traffic offenses.

How long does an administrative suspension last?

An Administrative Suspension will stay on your driving record for a minimum of two years. However, it may be one to five years depending on the violation and state laws. Like most other types of suspensions, an AALS suspension prohibits you from operating any motor vehicle until your license is reinstated by either paying fines or waiting out the suspension period. An AALS suspension can be removed from your license earlier if you resolve the issue that led to it being issued.

Can I drive while my license is suspended?

The short answer is no, but an exception may apply to certain situations. If you are caught driving during a time when you are not allowed, this too will result in another suspension, and possible criminal charges.

You may be able to drive under certain circumstances such as traveling for work or taking your kids to school. You can use public transportation if it is available in your area. Check with your state’s motor vehicle department to see if any exceptions apply.

What do you do once you get back home?

Things are less complicated if this is your first time facing AALS. You will need the documents you received after being pulled over, proof of insurance and payment for fines or court costs.

If you are not allowed to drive until an AALS suspension period is up, you probably have a friend or relative who can help with transportation needs. If taking public transportation doesn’t work for you, you will need to look into commuting every day.

There is a good chance that your current insurance company will not cover certain things and may cancel your policy altogether. After an AALS suspension, contact local agents and service companies to see what they say about keeping your auto insurance coverage. Check with car dealerships as well.

Contact your local motor vehicle department or DUI lawyer (we recommend Alberta Criminal Defence Lawyers) for information about reinstating a license. Some states may allow you to pay fines or court costs before going through the application process. Expect to have to take a driver’s education course, written test and possibly an in-person interview before getting a new license.

An Administrative Suspension (AALS) occurs when a state representative issues a suspension due to a conviction for a moving violation or other infraction that carries three or more points, whether it occurs in an insured vehicle or not. When the officer pulls you over and writes you a ticket, s/he reports it to your state’s motor vehicle department. If the officer finds that you were carrying too much speed, or didn’t stop when it was your turn to do so, this will trigger an AALS on your license. Other common reasons for AALS include driving without a license, having no proof of insurance and other traffic offences.

Does an Administrative Suspension (AALS) Affect Insurance?

An administrative suspension will stay on your driving record for a minimum of two years. However, it may be one to five years depending on the violation and state laws. Like most other types of suspensions, an AALS suspension prohibits you from operating any motor vehicle until your license is reinstated by either paying fines or waiting out the suspension period. An AALS suspension can be removed from your license earlier if you resolve the issue that led to it being issued.

Nancy Garcia Author

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