Depending on the state, their license will be suspended, they may be fined and/or required to comply with the state's financial responsibility laws. Certification of liability insurance coverage for the future is a basic element in all financial responsibility laws. In order to reinstate a driving privilege after a driver license suspension, an insurance company is called upon to certify liability coverage for the future, usually three years, for the affected individual. This is the basic certification concept and it is for the most part rather uniform among the states having financial responsibility laws. Future proof of insurance is a critical feature in the enforcement of the sanctions contained in financial responsibility laws. When an insurer files certification of insurance with a state, it is, in effect, guaranteeing liability coverage for the named individual for a specified period of time. The act of certification creates a “motor vehicle liability policy”.
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