Ask Experts Questions for FREE Help !
Ask
    tkells1414's Avatar
    tkells1414 Posts: 2, Reputation: 1
    New Member
    		  
    #1

    Oct 16, 2008, 12:56 PM
    Accident under suspended license
    I have a suspended license but eligible for my sr22. I was driving home from work and hit the median avoiding a tire on the road. I did not get an issued an accident report, even though a cop came. I was lucky to be able to put the car on the side of the road an pick it up the next day.

    My question, the car is under my families insurance and they don't know about my previous dui, it is inevitable that they will know. But in this situation will the insurance cover my accident?
    JudyKayTee's Avatar
    JudyKayTee Posts: 46,503, Reputation: 4600
    Uber Member
    		  
    #2

    Oct 16, 2008, 01:10 PM
    Quote Originally Posted by tkells1414 View Post
    I have a suspended license but eligible for my sr22. I was driving home from work and hit the median avoiding a tire on the road. I did not get an issued an accident report, even though a cop came. I was lucky to be able to put the car on the side of the road an pick it up the next day.

    My question, the car is under my families insurance and they dont know about my previous dui, it is inevitable that they will know. but in this situation will the insurance cover my accident?

    As long as the policy was in effect the insurance company will pay for the damages. I would, however, expect the premium to go up substantially based on your driving record and this accident while driving suspended.

    Technically your insurance company COULD make an argument that you were driving unlicensed but I've never seen them do it.

    The policy could also be cancelled.

    I would personally pay for the damage myself and not run it through the insurance company - might be cheaper in the long run.
    Fr_Chuck's Avatar
    Fr_Chuck Posts: 81,301, Reputation: 7692
    Expert
    		  
    #3

    Oct 16, 2008, 01:27 PM

    If you were required to have a SR22 filing, was it filed with this insurance company and where you paying the proper insurance on it.

    I would say that I doubt they will pay since first you were driving with a suspended license and was suppose to have the insurance policy filed with the state under the SR22 filing.

    If they do pay, they will either cancell the policy or double to triple the amount that is now paid on the policy
    tkells1414's Avatar
    tkells1414 Posts: 2, Reputation: 1
    New Member
    		  
    #4

    Oct 16, 2008, 02:28 PM

    Do I report as if normal
    Fr_Chuck's Avatar
    Fr_Chuck Posts: 81,301, Reputation: 7692
    Expert
    		  
    #5

    Oct 16, 2008, 02:46 PM

    Yes, you would call the insurance company and report it as normal.
Not your question? Ask your question View similar questions
 

Question Tools Search this Question
Search this Question:

Advanced Search

Add your answer here.


Check out some similar questions!

Will my license get suspended or not? [ 2 Answers ]

This is Tony from Florida; I have received 4 tickets with in the span of 3 months. My main question is how many times I need to do traffic school course to remove those 4 tickets, is it one time or 4 times. If I don’t do the traffic school course for the next few days will my license gets suspended.

Hit by a guy with a suspended license [ 13 Answers ]

I was involved in a traffic accident where the other guy hit me while I was on my road bike. Incidentally he was driving with a suspended license but the traffic officer blamed it on me, although I was the one who ended up in the emergency room,/now I'm not looking for some enormous reparation for...

Can your license be suspended for something you didn't do? [ 3 Answers ]

My husband got in a wreck 7 years ago and a judgement was issued against him. It was a multipal car accident. 1 of the lawyers for the accident not only put a judgement against him, but me also. She was the only one who suspended my license for it. I contacted the DMV, they said they only...

Suspended License [ 2 Answers ]

Hello, I had my license suspended about a year ago for failure to appear in court. I pleaded not guilty to a speeding ticket and missed the court date (out of country), then rescheduled it and missed it again. It’s been over a year now... does anyone know how do I get my license back? Any advice...

View more questions Search