My IL drivers license just got suspended for too many tickets. If I continute to drive (I need to get to work), will my insurance still cover me if I were to get into a car accident?
2007-03-19 08:20:40 · 14 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
You are kidding of course aren't you?
1) If you continue to drive you will be knowingly breaking the law.
2) Almost all insurance companies have exclusion clauses for WILLFUL negligence. (ie: driving without a license)
so... If you have an accident, you will be ROYALLY scr*wed - not to mention walking for the major portion of your life.
Cowboy up and tough out the suspension.. there are ALWAYS ways to get to work besides driving. You may even be able to get a limited license ( to and from work on weekdays).
.
2007-03-19 11:17:44 · answer #1 · answered by ca_surveyor 7 · 0⤊ 1⤋
I hate to sound like a know it all, but you really need to straighten up. Getting your license suspended for too many tickets is just pure childishness, inexcusable and silly. I could count the number of tickets i have had on one hand and ive been driving for 20 years.
And the answer is, i doubt if a insurance company will cover you at all finding out that you got your license revoked for this. Your insurance policy will certainly be cancelled next.
2007-03-19 08:53:49 · answer #2 · answered by Anonymous · 0⤊ 1⤋
Depending on your state you may be able to file for a provisional license to get to and from work. Most states will require a SR-22 to be filed with your insurance company when you loose your license for what ever reason. I would read up on your states rules on driving without a license because depending on your age there are some very severe consequences. Try looking up your Department of Motor Vehicles online. They will have a section about this on there.
2007-03-19 08:28:46 · answer #3 · answered by fireguyjay01 2 · 0⤊ 0⤋
No, of course not. You must have a valid license in order for insurance to cover you. You might be able to apply for an occupational license, allowing you to drive to and from work only. The issue in Illonois, still must be resolved, all fines paid and a clearance letter issued, before you could apply for a driver license.
2007-03-19 12:17:26 · answer #4 · answered by fisherwoman 6 · 0⤊ 0⤋
The simple answer is NO!
You don't have a license, which means you can't drive legally. No insurance company is going to cover you in an accident commited performing an illegal act.
Ignoring the law got you into the position you are in, continuing to ignore it will get you jail time.
As a matter of fact, good luck on being able to KEEP insurance without a license.
2007-03-19 08:29:22 · answer #5 · answered by Lemar J 6 · 1⤊ 1⤋
No, it will not because if you continue to drive without a valid license, you will be breaking the law, and your insurance will not cover an illegal act. If you read the small print, you agreed to notify them of any changes which would affect your insurance, so you have to tell them you no longer have a license.
2007-03-19 09:48:17 · answer #6 · answered by oklatom 7 · 0⤊ 0⤋
Why should it? There is a clause in most policies stating insurance doesn't cover the use of the vehicle while breaking the law. And what do you suppose driving while suspended is? Don't take a chance!
2007-03-19 08:28:04 · answer #7 · answered by Fred C 7 · 1⤊ 0⤋
As long as you continue to pay your insurance premiums on time you will have insurance to cover you in case of an accident. One note of caution though, when your policy renews the insurance company may run an Motor Vehicle Report and discover that your license is suspended which will result in a cancellation of your coverage. Therefore, you will want to get this cleared up prior to your next renewal.
2007-03-19 09:26:43 · answer #8 · answered by Anonymous · 0⤊ 3⤋
Insurance companies require all primary drivers to have a valid driver's licence. It may take a few months, but eventually they will review your motor vehicle report and cancel your insurance.
2007-03-19 08:29:15 · answer #9 · answered by Nate W 5 · 0⤊ 0⤋
What would the insurance cover?
The car you aren't supposed to be driving?
Too many tickets? How can you afford insurance anyways?
If you aren't "aware" enough to stay out of getting tickets, you shouldn't be driving anyways.
Driving is a privilage...grow up and don't abuse it.
2007-03-19 10:02:34 · answer #10 · answered by Anonymous · 0⤊ 2⤋