Ask An Insurance Pro - Question and Answers

Answers to your Insurance Questions - Ask Your Question

Auto Insurance Question from New York County, New York

Asked on 7/27/2010.   This question has received 5261 views.
Does an expired drivers license invalidate liability insurance?   My brother hit a bicyclist. His drivers license had expired 10 days previously. He is calling his insurance, but I wondered if there is a standard clause in most policies that would make his insurance invalid, or if this varies by the state.

 Notify me of updates.

Answer given on July 27, 2010 by DC


While a driver is expected to have a valid license when they purchase insurance, once the policy is in force, the insurance company should pay for any accident to involves the insured driver.  The insurance company is responsible to be sure the driver is still eligible for the insurance and if they have not taken any action then the policy remains in force.

There may be some special policies that say the insurance is invalid if there is not a licensed driver involved.  Your brother needs to talk to his insurance agent to see if there is any special exclusion.  He also needs to go to the Dept of Motor Vehicles and renew his license immediately,if he has not already done so.  A lapsed license is not usually an intentional action, often times it is just an oversight so no criminal intent is indicated.



NOTE: The IMPORTANT NOTICE below is a part of this answer!

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.