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Answered 2008-09-01 06:07:35

Since he is probably just 16, you want to maintain control of the situation. If you own the car, you can withhold the keys for bad grades, late curfews, and so on. He can pay for the insurance, but it might be cheaper as an add-on to your policy.

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If your driver's license expires will you still be covered under your auto insurance policy?



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.


Progressive Insurance can write a policy for you and your parent, but the parent is excluded as a driver because they do not have a license.


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


Typically you don't need insurance in order to have a driver's license. If however you have violations on your driving record and are required to have an insurance policy in order to keep you license you should have no problem getting a non-owners policy.


If your spouse has no drivers license and does not drive, then no, you don't have to include them on your auto insurance policy. Actually, they have to have a drivers license before they can be added to the policy.



Anyone can be listed on your car insurance policy as long as they have a valid driver's license. You just have to remember if that person has a bad driving record it will affect your insurance.



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.


You can get a non-owner insurance policy that essentially covers you when you have no vehicle. This is usually needed if you are required to have insurance and you do not own a vehicle.


I would call an insurance agent and they can provide you with a rate and possibly a policy.


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


Some companies can offer you a policy even with a suspended license. I would contact an independent insurance agent that represents multiple carriers.


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.


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.


Misrepresentation of the risk to the insurer by ommission of a known driver is Insurance Fraud. So the answer to your Question is "NO"


You sure can cancel your insurance policy BUT you might not want to. In our state insurance is required to drive a car or truck and you can be fined and lose you drivers license if your caught driving without insurance. I would question the wisdom of cancelling your insurance


You cannot insure a vehicle that you do not own so the answer to the question is no. The insurance must be in the name of the vehicles owner. If there is a good reason that the owner has no license some insurance companies will allow the owner to purchase the insurance in their name but exclude themselves as a driver and list the person or persons who will be driving as listed drivers on the policy. This is a legally written policy.


If you are listed as a covered driver on the Insurance Policy then yes they will pay the claim whether you are licensed or not. Most Insurers will not offer you an auto insurance policy to begin with if you are not licensed but some will.


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.


Ordinarily an auto insurer will require a valid license as a condition of issuing a liability policy.


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.


Follow the steps below to help you get car insurance without a driver's license.Contact insurance providers in your area to obtain insurance quotes. Many insurance companies may not even ask if you have a valid driver's license.Explain to insurance companies, if asked, why you're without a driver's license. If it's because you're under suspension or revocation for no auto insurance, then the provider will likely give you 30 to 45 days to get your license back or the policy will expire.Pass the driver's exam if you're just reaching the legal driving age. If that is the case, most insurance companies will cover you with a driver's permit and then require proof of your license when you pass the test.Take proof of insurance to the court if you're under license suspension or revocation for no insurance, and the court will reinstate your driving privileges. Be aware that you may have to pay a fine as wellShow the insurance company proof that your license is now valid so that you can keep your insurance policy active.Best Wishes