In my many years as an agent, I have never seen a company that will pay your claim if you never had insurance. It is not in a companies best interest to pay a lot of money out when they weren't insuring a vehicle at the time. You will most likely not lose your license for just that infraction.
If you are covered by an "Active" auto insurance policy then you will be covered, whether or not you have an active drivers license.
if you add them AFTER they have an accident, they will not be covered for anything that happened during, or as a result of, the 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.
It will definetely be covered if the person had a drivers license and insurance on their own vehicle...but it should be covered as long as their vehicle was sitting when your vehicle was wrecked...but also since you were in the vehicle at the time of the accident it should be covered as long as they had a license
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.
no insurance + jail
Only if your mother had insurance on the car and only to the extent of her coverage.
If someone without a valid drivers license and without car insurance drives a car that is covered by car insurance, does that insurance pay for that uninsured driver if they have a accident?
If your driver's license expires will you still be covered under your auto insurance policy?
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.
True
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.