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Will your auto insurance policy be voided if you loaned your car to a friend without knowing his license was suspended and he got into an accident?

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2006-04-19 21:58:23
2006-04-19 21:58:23

It depends, they could or they could have you sign an exclusion on that driver, which means that if that person ever drives the car again and gets into an accident the insurance company will not be responsible for damages.

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Yes. The fact that your license is suspended is NOT considered a contributing circumstance to an 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.


With a suspended insurance license, I would not because you will be breaking a law. With a suspended drivers license you can sell insurance.


In California, the law is, if you in fact have an accident in California without insurance, and the dmv finds out about it, your license will be suspended for 1 year.


What are you asking? Have you had a motor accident? Did the other driver have a suspended licence?


They will probably try to deny coverage on your claim. Did you inform them that your license was suspended? Probably not, I imagine.


It does not matter to an insurance company that the other driver had a suspended license. Liability is determined by the factors of the accident and the evidence put forth. The fact that the other driver had no license does not affect liability or the handling of the claim.



There are legitimate reasons why an insurance company would deny a claim. If you were in the accident as the result of an illegal act for instance, you had no license or a suspended license, etc.



You will be punished for the violations that you have for driving with a suspended license and for driving without insurance. These punishments will be severe but vary from state to state. The violations on your part will not effect the fault of the accident and if the other party is truly at fault then their insurance company will pay for your damages incurred in the accident.


You can't get car insurance if your drivers license has been suspended.


That all depends on why your license was suspended. Without knowing why your license was suspended, there is no means of determining what you need to do to get it back.


Until you obtain auto insurance and prove to the court that you are now insured.


There are some companies that will offer insurance if your license is suspended, your best bet is a local insurance company that represents multiple insurance companies.


Depends on which state you live in, but in most states a license can be suspended or revoked, and in some states it is an "automatic" penalty.


you will get a ticket and probably get your license suspended for longer and insurance will probably not cover the accident b/c you were driving with a suspended license but of course this is just one scenario


Yes, your license can be suspended and usually is when you receive a ticket for no Insurance. The fact youwere driving without insurance has no bearing on whether you have a car or not.


Your driver's license will not be suspended in Pennsylvania if you have a suspended registration. A driver's license can be suspended for driving without insurance or if you get a DUI.


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.


You can definitely exclude your spouse from your auto insurance. They shouldn't be driving if their license is suspended so they don't need insurance.


If your drivers' license is suspended in any state, you may not legally drive in another one until it is restored. You should also know that driving with a suspended license will, among other legal complications, void the insurance on the vehicle if you have an accident.


You have to pay the cost of repairs to get there vehicle fixed. You may also have you license suspended and get a ticket.


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, if you are caught driving without insurance in any state, except New Hampshire, you're license will be suspended.



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