Can auto Insurance deny a claim if your drivers license was
by Guest » Wed Jun 03, 2009 03:49 am
Can auto Insurance deny a claim if your drivers license was suspended?
Total Comments: 30
Posted: Wed Jun 03, 2009 04:05 am Post Subject:
If you notified the insurance company prior to the accident (that the individual had a suspended license), then they should NOT be able to deny a claim. Although, if not, this could be a "material misrepresentation" upon which the insurer may be able deny any coverages otherwise provided under the policy.
Posted: Wed Jun 03, 2009 08:39 am Post Subject:
Can auto Insurance deny a claim if your drivers license was suspended?
If you had an active insurance at the time of accident the insurer then might not deny the claim. However, they may chose not to renew the policy next time.
Anyway, you must understand that you shouldn't be driving with a suspended license at the first place.
Posted: Wed Jun 03, 2009 10:33 am Post Subject:
Depends on your policy wording...have they denied your claim?
Posted: Wed Jun 03, 2009 10:55 am Post Subject:
Your rates will definately go up and they very well could deny renewal. You could expect to pay higher rates for quite sometime.
Posted: Wed Jun 03, 2009 10:28 pm Post Subject: Suspended License
They insurance company will more than likely pay the claim, but they will also either jack your rates up at renewal or non-renew your policy all together. If you had a suspended license when the policy was first written and lied about it, then the claim will be denied.
Posted: Thu Jun 04, 2009 05:54 am Post Subject:
They insurance company will more than likely pay the claim, but they will also either jack your rates up at renewal or non-renew your policy all together.
Does that mean that the insurance company may continue covering the driver with suspended license? I thought that his coverage would get cancelled anyway by the insurer since he is not allowed to drive without license.
Posted: Thu Jun 04, 2009 10:31 am Post Subject:
I can not see an insurance company continuing to put themselves at risk by covering the vehicle. I would call them and be sure before anyone gets behind the wheel of that vehicle. There also may be something listed in the policy about license suspension and discontinuing the coverage.
Posted: Thu Jun 04, 2009 01:55 pm Post Subject:
It is possible, depending on the company, that the insurance company would give immediate notice of cancellation if they found out about the suspended license. But, some may not and just wait to non-renew it. If there is more than one driver on the policy, the driver with the suspended license would probably be excluded from coverage. But, keep in mind, it is possible to have an auto policy without actually owning a vehicle. People do this to acquire their own liability protection.
But, I agree with Fireyone, you should definitely check with the company to see how they would handle it before driving anymore.
Posted: Fri Jun 05, 2009 03:48 am Post Subject:
Okay UnitedInsurance, there had been a debate in the board on whether or not a driver can get a coverage with suspended license and not to say the opinions varied widely. But, as far I know that there are few companies out there who would offer insurance even to the drivers with suspended license. Well, there would be several conditions on it or the insured would be charged pretty high for the coverage, but they would get the coverage anyway.
I just want to confirm from you whether or not the information I've is correct. Does it make a good business sense to cover a driver who has been enough ignorant to lose his license?
Posted: Fri Jun 05, 2009 11:10 am Post Subject:
Simon, no company is going to write a policy on a driver without a license...this happens after the policy has been in force for some time, then the driver loses their license...
Posted: Wed Jun 03, 2009 04:05 am Post Subject:
If you notified the insurance company prior to the accident (that the individual had a suspended license), then they should NOT be able to deny a claim. Although, if not, this could be a "material misrepresentation" upon which the insurer may be able deny any coverages otherwise provided under the policy.
Posted: Wed Jun 03, 2009 08:39 am Post Subject:
Can auto Insurance deny a claim if your drivers license was suspended?
If you had an active insurance at the time of accident the insurer then might not deny the claim. However, they may chose not to renew the policy next time.
Anyway, you must understand that you shouldn't be driving with a suspended license at the first place.
Posted: Wed Jun 03, 2009 10:33 am Post Subject:
Depends on your policy wording...have they denied your claim?
Posted: Wed Jun 03, 2009 10:55 am Post Subject:
Your rates will definately go up and they very well could deny renewal. You could expect to pay higher rates for quite sometime.
Posted: Wed Jun 03, 2009 10:28 pm Post Subject: Suspended License
They insurance company will more than likely pay the claim, but they will also either jack your rates up at renewal or non-renew your policy all together. If you had a suspended license when the policy was first written and lied about it, then the claim will be denied.
Posted: Thu Jun 04, 2009 05:54 am Post Subject:
They insurance company will more than likely pay the claim, but they will also either jack your rates up at renewal or non-renew your policy all together.
Does that mean that the insurance company may continue covering the driver with suspended license? I thought that his coverage would get cancelled anyway by the insurer since he is not allowed to drive without license.
Posted: Thu Jun 04, 2009 10:31 am Post Subject:
I can not see an insurance company continuing to put themselves at risk by covering the vehicle. I would call them and be sure before anyone gets behind the wheel of that vehicle. There also may be something listed in the policy about license suspension and discontinuing the coverage.
Posted: Thu Jun 04, 2009 01:55 pm Post Subject:
It is possible, depending on the company, that the insurance company would give immediate notice of cancellation if they found out about the suspended license. But, some may not and just wait to non-renew it. If there is more than one driver on the policy, the driver with the suspended license would probably be excluded from coverage. But, keep in mind, it is possible to have an auto policy without actually owning a vehicle. People do this to acquire their own liability protection.
But, I agree with Fireyone, you should definitely check with the company to see how they would handle it before driving anymore.
Posted: Fri Jun 05, 2009 03:48 am Post Subject:
Okay UnitedInsurance, there had been a debate in the board on whether or not a driver can get a coverage with suspended license and not to say the opinions varied widely. But, as far I know that there are few companies out there who would offer insurance even to the drivers with suspended license. Well, there would be several conditions on it or the insured would be charged pretty high for the coverage, but they would get the coverage anyway.
I just want to confirm from you whether or not the information I've is correct. Does it make a good business sense to cover a driver who has been enough ignorant to lose his license?
Posted: Fri Jun 05, 2009 11:10 am Post Subject:
Simon, no company is going to write a policy on a driver without a license...this happens after the policy has been in force for some time, then the driver loses their license...
Add your comment