Probably not. I am certain that somewhere in your policy there's a clause stating that you can not drive while your license is suspended.
If you are covered by an "Active" auto insurance policy then you will be covered, whether or not you have an active drivers license.
You need to read your policy carefully and talk with your agent. A permitted driver is usually covered. However, if the driver lives with you and you don't have them listed, they are not covered. If they are a regular driver and are not listed, they are not covered. If they have a suspended or revoked license, or if they have no license, you are not covered. It is best not to allow others to drive your car under any circumstances. If they have an accident, it is on your insurance, and the company will add them to your policy even if they cover them.
Actually, they are at fault, or so it's presumed - if their license is suspended, they shouldn't have been driving, hence, they should not have been there to have been involved in an accident. On top of that, they've voided their insurance policy by driving on a suspended license, so the expenses will likely end up coming out of pocket.
Check the laws of your state and your policy. In my state, it is illegal to drive with a suspended license. Your policy will have exclusions and limitations that specify their position on damage incurred while engaged in illegal activity. In summary... NO.
You have to pay the cost of repairs to get there vehicle fixed. You may also have you license suspended and get a ticket.
If your insurance policy has permissive use then another driver would be covered in your vehicle if they had an accident. I don't know about other states but in California they should not be living with you and they can not be excluded from your policy. One more thing, they MUST have a valid license.
As long as you are listed as a driver on the policy and an accident occurs in a covered vehicle, then yes you will be covered under the terms and conditions of the policy just as any other driver on the policy.
If your driver's license expires will you still be covered under your auto insurance policy?
If the insurance policy is active and valid and the driver is a covered driver then you file your claim just as in any other accident.
Most insurance companies allow household members can be excluded if their drivers license is suspended. By signing an exclusion form this means that there is no coverage at all if the excluded person is driving one of the covered vehicles and a claim occurs.
If you are a licensed driver but not listed on the policy the vehicle will not be covered. If you are not licensed it will be covered.
Yes, generally barring any exclusions in your policy if he had your (owners) permission to drive.
If the accident occurred after your policy lapsed and before reinstatement, no, it won't.
In the state of Georgia, the state will reguire a 6-months prepaid policy along with a SR22A filing in order to get your license back. In the state of Georgia, you can't get insurance with a suspended drivers license cause your not legal to drive with a suspended license.
If you knowingly let someone with no license drive your car, not only are you liable if he has a wreck. You could loose your license if he just gets pulled over for a bad tail light!
If you have a current insurance policy and are in a car accident, but have an expired license, it is up to the insurance company if they will pay the claim or not. It could be in their clause not to, if a person does not have a valid drivers license, especially if you are the one at fault.
Depends on the insurance policy. There might be a condition that any driver must be licensed for the insurance to be in effect. If it is your car and your insurance, you probably have a problem.
Insurance and Suspended LicensesYes, If you auto insurance policy was active and in force at the time of your accident then they will cover the losses to the extent and limits of your policy coverage. Bare in mind taht if the Insurance company was not previously aware of your license suspension and depending on the reason they may decide to cancel your policy.AnswerTypically, no. One of the conditions of coverage generally is the existence of a valid driver's license. If the license was suspended but you were nonetheless driving, the insurer may well have a coverage defense.
Yes, as long as the vehicle was on the policy when the damage occurred it will be covered.
Some companies can offer you a policy even with a suspended license. I would contact an independent insurance agent that represents multiple carriers.
Only if you are a named driver on the policy.