Results 1 to 8 of 8
  1. #1

    Default Will Insurance Cover an Accident Caused by Driver With a Suspended License

    My question involves an injury that occurred in the state of: north carolina. I was in an accident single car that i borrowed from my roommate to go to work. I totaled it and that was a week ago i just found out my license was suspended at the time. Will insurance pay for her car? I didnt know they were suspended or i wouldnt have been driving.

  2. #2
    Join Date
    Jun 2006
    Location
    Massachusetts
    Posts
    23,963

    Default Re: Will Insurance Cover an Accident Caused by Driver With a Suspended License

    Very likely not.

  3. #3

    Default Re: Will Insurance Cover an Accident Caused by Driver With a Suspended License

    What do i need to do

  4. #4
    Join Date
    Jun 2006
    Location
    Massachusetts
    Posts
    23,963

    Default Re: Will Insurance Cover an Accident Caused by Driver With a Suspended License

    Start saving your pennies.

  5. #5
    Join Date
    Mar 2013
    Posts
    16,962

    Default Re: Will Insurance Cover an Accident Caused by Driver With a Suspended License

    Quote Quoting cbg
    View Post
    Very likely not.
    Disagree.

    If the owner has collision coverage, her insurance will pay for her car.

    Personal auto policies don't have any exclusions or limitations for unlicensed drivers.

    However, it's possible that her insurance company could come after the OP for reimbursement (subrogation).

  6. #6
    Join Date
    Jun 2006
    Location
    Massachusetts
    Posts
    23,963

    Default Re: Will Insurance Cover an Accident Caused by Driver With a Suspended License

    I interpreted the OP's question to mean, would HER (the OP's) insurance cover the claim.

  7. #7

    Default Re: Will Insurance Cover an Accident Caused by Driver With a Suspended License

    I was driving no insurance no car i borrowed her car to go to work i totaled it by losing control i just found out license suspeneded will her insurance cover even if they come after me for repayment

  8. #8
    Join Date
    Mar 2013
    Posts
    16,962

    Default Re: Will Insurance Cover an Accident Caused by Driver With a Suspended License

    Quote Quoting cbg
    View Post
    I interpreted the OP's question to mean, would HER (the OP's) insurance cover the claim.
    Your right but for the wrong reason. If the OP had auto insurance it wouldn't cover the wrecked car but not due to lack of driver license.

    The Property Damage Liability section excludes property damage to property "used by" or "in the care of" the insured.

    The Collision Coverage section excludes coverage for a "non-owned auto" if it's provided for the "regular" use of the insured or limits coverage to a "temporary substitute vehicle" when the insured's vehicle is out of normal use because of "breakdown, repair, servicing, loss or destruction."

    Above are common policy provisions found in all personal auto policies. You'll find the same, or similar, provisions in your own policy.

    Quote Quoting Sunshine76rn
    View Post
    I was driving no insurance no car i borrowed her car to go to work i totaled it by losing control i just found out license suspeneded will her insurance cover even if they come after me for repayment
    Yes.

    1. Sponsored Links
       

Similar Threads

  1. Auto Insurance: Will Insurance Cover an Accident if You're Driving on a Suspended License
    By christopheroverstreet in forum Insurance Law
    Replies: 2
    Last Post: 05-17-2016, 09:28 PM
  2. Replies: 2
    Last Post: 02-11-2014, 09:11 AM
  3. Suspension and Revocation: Driver License Suspended Due to Accident Without Insurance
    By craigsbiz in forum Driver's Licenses
    Replies: 4
    Last Post: 08-26-2013, 08:38 AM
  4. Auto Insurance: Will Insurance Cover Damage I Cause While Driving on a Suspended License
    By dankk in forum Insurance Law
    Replies: 2
    Last Post: 02-26-2013, 05:21 PM
  5. Traffic Accidents: Car Accident Caused By Driver With No Insurance, Expired License, No Tags
    By vcshort in forum Accidents and Injuries
    Replies: 1
    Last Post: 11-21-2007, 04:57 PM
 
 
Sponsored Links

Legal Help, Information and Resources