I am uninsured and unlicensed and was hit by an insured and licensed vehicle. It was the other driver's fault. Will their insurance cover my claim even though I am not licensed

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 4, 2018

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Insurance Question from Los Angeles, CA

Asked on 03/04/2018

I am uninsured and unlicensed and was hit by an insured and licensed vehicle. It was the other driver's fault. Will their insurance cover my claim even though I am not licensed I was going straight and was t-boned by the other vehicle. The driver wants to pay cash as they are a Lyft driver.

Answer given on March 13, 2018

It begs the question why you were driving a car when you don’t have a license or insurance.  Having said that, the other insurance company will most likely pay for the damages to your car since the other driver was at fault in the accident.

You may want to take the driver up on the offer to pay cash for your damages, since it would avoid having to explain to the insurance company that you are not licensed or insured. They could also require that you report the accident to the state, and the police would then be made aware of your lack of insurance and a license.  The only issue of the other driver paying cash, who will determine the amount of damage to the car.  It is also possible the car is a total loss and the other driver will not want to pay more than the actual cash value of the car. Of course, his insurance company would also not want to pay more than the actual cash value.


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