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Auto Insurance Claims/statue of limitations

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Expert: - 4/29/2011


Question
I was pulling out of my driveway, where their is no crosswalk to park my truck on the street,I was on a suspended license, the light was red i was making a right turn, their were two people before me turning also and they did,as they did I pulled forward, when it was my turn I started to go after I looked to the right and then the left their was no one coming the only obstruction was my apartment complex put a sign up and you couldn't see all the way down the sidewalk, I started to go and then I heard something and stopped and I had hit a girl not a minor on a bike and knocked her down to the street, it didn't even tear her pants, all the authorities came, she went to the hospital and I was insured at the time full coverage, the insurance company honored the claim and i was not issued any citations, now 4 to 5 months later I receive a letter in the mail that a criminal complaint was filed against me for driving on a suspended license, is their any limitations on this and what can they do or what will happen, also they said it was illegal for the girl to be riding their and she had no helmet on and it was 50% my fault and 50% her fault.

Answer
This is really more of a criminal law question than an insurance claim, and I am not an attorney.  But I'm confident there is a statute of limitations for driving on a suspended license.  But I also seriously doubt it is only 5 months - probably more like a few years.  You may want to get a traffic law attorney to help you - their fees are usually pretty reasonable for a case like this.

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Claims Guy

Expertise

I am currently an Auto Claims Manager for a large insurance company. I have 18 years experience in the industry, having worked as a Claims Adjuster, Injury Settlement Negotiator, Claims Manager, SIU/Fraud Investigator, and Compliance Officer......I can answer questions related to any aspect of Automobile insurance claims and coverages. I can provide an inside look at how insurers operate. I always treat my customers fairly and want to help make sure you are treated fairly. However, please keep in mind that being treated fairly according to the law does not guarantee that you will get what you want. I can also answer some questions regarding Homeowner's and other types of insurance claims. I have handled all types of auto insurance claims and coverages. I am NOT an automotive repair expert but can give advice re how insurers handle complex repair issues. Please keep in mind that every state has its own set of laws pertaining to rules of the road, liability, and insurance. No one is an expert on every state. I am most familiar with laws in Maryland, DC, West Virginia, and Virginia, but will attempt to answer questions for other states. I am not an attorney an cannot provide legal advice. My advice will be my opinion based on my experience.

Experience

I am currently an Auto Claims Manager for a large insurance company. I have 18 years experience in the industry, having worked as a Claims Adjuster, Injury Settlement Negotiator, Claims Manager, SIU/Fraud Investigator, and Compliance Officer. I am not an attorney an cannot provide legal advice. My advice will be my opinion based on my experience.

Organizations
CPCU Society. Adjusters license in multiple states. International Association of Specal Investigators

Education/Credentials
I have a B.S. in Finance and have completed the AIC and CPCU designations.

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