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If you have an expired license and get into an accident will your insurance pay the claim if your policy is paid?

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2008-05-30 02:45:46
2008-05-30 02:45:46

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.

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== == You are OUT OF LUCK. Every auto insurance policy REQUIRES any driver to be properly qualified and LICENSED by their home state. An Expired license is NO LICENSE, at all. No License, no coverage. No coverage, equals YOU PAY the entire costs of the accident, plus you will have a really hard time getting insurance again.

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 you are covered by an "Active" auto insurance policy then you will be covered, whether or not you have an active drivers license.

No worries! You can renew your car insurance policy. But insurance company will add more premium on your policy if its expired 45 days before. The insurance company maybe report loss of insurance to your state motor vehicle department. and they may revoke your drivers license. In an accident, you will not be covered by your insurance and if you are responsible for the accident, you may be financially responsible for any damages. If stopped by police they may ask to see proof of insurance, without it you will be ticketed, fined, be unable to drive your car and it would be towed at your expense.

Points on your license does not automatically raise your insurance until the insurance company looks at your record. This usually only happens when you change your policy or have an accident.

Of course, age doesn't matter. If you have a valid license and have a current insurance policy you can claim the accident.

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.

An accident policy is an insurance policy that will pay all or a portion of medical expenses incurred in the course of an accident.

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.

If you don't have insurance then there will be no one to pay for an accident. If you are hit by someone who doesn't have insurance your own insurance policy may pay for damage to your vehicle as well as bodily injury within your policy or state limits

Yes. You can even get insurance without a license. However, if you get into an accident and you're found driving alone on a permit, or you're found driving without a license, it will void your policy.

It could be an insurance policy taken out with an insurance company in case of an accident.

So long as your Auto Insurance is still in force your policy still covers you. You should renew your license as soon as possible though as the Insurance company does check your drivers license and driving history regularly. Should the company find that you have allowed your license to expire, they may decide to cancel your policy or decline to renew your policy on the assumption that you no are no longer a licensed driver and therefore do not need Auto Insurance.

When you allow someone to drive your car, you are giving them the coverage of your insurance. If they were to get into an accident, your policy would pay first.

Subject to any exclusions in the policy you more than likely will still have coverage. Not enough information to be of much help.

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.

If you put medical insurance on the policy when the policy was purchased.

Globe Life and Accident Insurance is a license holder for the named after insurances in the United States. They are rated A+ based on management skills, financial strength and integrity. They have 3,8 million policy holder.

If you have an accident in the first 60 days of your policy,, Yes They can cancel your policy

Your question does not have sufficient information to give an answer. What type of "Accident Insurance" policy are you talking about?

The term "accident insurance" applies to life and health insurance policy's that will only pay claims that result from an accident. Example: A person who owns an accident-only disability policy falls ill from cancer. The policy will not pay any claims as a result of the cancer. If the same person fell down a flight of stairs, the policy would pay.


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