Wreck w/suspended license

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

UPDATED: Sep 20, 2012

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Cleveland, AL

Asked on 09/20/2012

Wreck w/suspended license I had a ticket I forgot about and received a notice that said IF i didn't pay they would suspend my license so i went the next day and paid the ticket. Here we are 5 months later and I went to pick up a loaner car for my boyfriend whom I live with and I had a wreck. I was informed by the police officer that my license was suspended! I swore the paper i had received 5 months earlier had said IF i didn't pay the fines they WOULD BE not that they had been. Hours after the accident I went to the DMV and reinstated my license but my question is will my boyfriends auto policy still pay for the damages

Answer given on September 23, 2012

When there is an auto accident the insurance follows the car. So, your boyfriend’s insurance policy is responsible for the damages to the other car. You are covered as a driver of his car unless there is a special provision that requires the driver be listed on the policy. The insurance company may ask to exclude you as a driver in the future, or to add you as a rated driver on the policy. This would mean that your driving record could affect your boyfriend’s insurance costs. Since you have corrected the situation of the suspended license you should be able to move forward if the insurance company wants to add you to the policy. However, if the ticket that was involved was a moving violation it would cost your boyfriend in the premiums charged. If you have your own car and insurance, then your boyfriend’s insurance would not be affected, but the insurance company could still as to exclude you as a driver.


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.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption