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  1. #21
    Join Date
    Sep 2005
    Location
    California
    Posts
    20,407

    Default Re: Not at Fault, No License. What to Expect

    Thanks. It's kinda what I figured. I thought that the fraud issue was a key element because I'm not sure that a company would knowingly insure a primary driver without a valid driver's license. If suspended after the policy was signed, sure, but before? Ouch! And, I was aware of named driver exclusions, so that's usually the first thing *I* ask when I hear of such things.

    Thanks for the clarification.
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  2. #22
    Join Date
    Mar 2013
    Posts
    17,274

    Default Re: Not at Fault, No License. What to Expect

    Quote Quoting cdwjava
    View Post
    Thanks. It's kinda what I figured. I thought that the fraud issue was a key element because I'm not sure that a company would knowingly insure a primary driver without a valid driver's license. If suspended after the policy was signed, sure, but before? Ouch! And, I was aware of named driver exclusions, so that's usually the first thing *I* ask when I hear of such things.

    Thanks for the clarification.
    A learner's permit is a valid driver license with regard to insurance. The underwriting and rates for young drivers contemplate either a learner's permit or a regular driver license.

    Using the ACORD personal auto application (an industry standard form) as an example, note that it just asks for license number and nowhere on the application is there a distinction made between permit and license.

    http://willinsure.net/uploads/Person...Appliction.pdf

    Even the young driver questionnaire doesn't make that distinction and only asks "HAS YOUR DRIVER’S LICENSE OR PERMIT EVER BEEN REVOKED OR SUSPENDED?"

    http://www.averyinsurance.net/Forms/...stionnaire.pdf

    Some insurance companies may have their own application forms or even do online applications but would likely require the same or similar information as on the ACORD forms.

  3. #23
    Join Date
    Jul 2014
    Posts
    15

    Default Re: Not at Fault, No License. What to Expect

    So, the car was totaled (23+K in damages). We signed the car off & the insurance company has already written a check for an upwards of 25+. He stated I would have it within a week. Once I receive the check can I cash it? I'm meaning to say, it's a done deal? Should I wait?- because I don't believe they've received the police report or contacted the other insurance company yet. Or does that not matter since I was covered & the claim is done?

    - - - Updated - - -

    Also, I'm not sure if I had posted this, but I'm 21 so I'm not sure if I am still considered a 'young driver'. However, I only have my permit & have never been licensed before. (family and extenuating circumstances)

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