Can my auto insurance company continue to charge me whileI have a suspended license?

My license was suspended over 2 years ago unbeknownst to me. I just found out so I continued to pay my insurance for the last 2 years that my license was suspended. Can I be refunded for the payments that Imade since it’s their responsibility to see if I’m suspended, and it is illegal to have insurance with a suspension?

Asked on September 1, 2011 under Insurance Law, Georgia

Answers:

FreeAdvice Contributing Attorney / FreeAdvice Contributing Attorney

Answered 9 years ago | Contributor

If your driver's license was suspended for two years as the result of some charge against you and your were not to drive a car at any point during this two year time period, it was your obligation to notify your automotive insurance carrier that that you wanted to cancel your car insurance so that you did not have to pay premiums for a car that you were not driving (assuming you were the only person driving the car).

If you failed to notify your insurance carrier of this and insurance coverage continued uninterrupted, then the fault for not giving the notice lies with you. You received benefits for something that you should have cancelled. You are obligated to pay for these benefits.

It is not your insurance carrier's obligation to see if your driver's license was ever suspended. There is nothing illegal to insure a car where its owner has his or her driver's license suspended during the period of insurance coverage.


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