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Auto Insurance Claims/Accident with expired license


This morning I struck a deer on the highway. My license expired just 5 days ago. I went to tthe county PD and filled out a report. The PO was very nice in not issuing me a ticket. As this is Thanksgiving today I will go to the NYS DMV first thing tomorrow morning and get it renewed. Will my insurance company pay for my car damages or am I in for a fight? No other vehicles were involved. Thank you.

Happy Thanksgiving to you and yours!

It's important that you understand I am not an attorney, and cannot and do not provide legal advice. With that said, I offer the following:

I would suggest you first review your policy under "conditions" and other similar provisions. I don't believe you will find that having a valid license may be one of them and thus the policy would be in affect. Your situation is likely not uncommon...I recently learned my license had expired!

Secondly, unless specifically asked, I would not volunteer the information regarding your license to the insurer. If the police did not cite you, and because your license did not contribute to the loss, it's unlikely it will be listed on the the police report or the insurer will be notified.

If it were I; I would get my license renewed and then call the insurer to report the claim. Should the insurer ask about the status of your license, be honest and inform them that it was expired but you had it renewed.

A word of caution: Be sure to select a repair that serves you in a proper and thorough repair of your vehicle. I strongly discourage you from taking your vehicle to a repairer the insurer suggests for reasons that should be obvious.

Thank you for the question, sorry for the accident and I hope all turns out well!

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Barrett Smith


Auto Claim and Collision Repair issues including quality and thoroughness of repair, Diminished Value, Total Loss settlement valuation, Appraisal Clause matters, Expert Testimony, pre-purchase inspections and others. While having been a Senior Claims Adjuster, I am not licensed to practice law and cannot provide legal counsel. I will provide replies as friendly and informal advice based upon my experiences and those of our clients as possible. For more information on our offerings please visit For more informatin on our offerings please visit


I grew up working in a family owned auto body repair business my father owned and operated in Alaska and after leaving the US Air Force I started my own repair facility in Florida. I later became a senior claims adjuster for a national auto insurer and later managed two GM dealership collision centers. I started another shop which was recognized as a "Top Shop" in central Florida for over 15 years winning numerous local accolades and awards such as Business of the Year. In 2001 I developed Auto Damage Experts to provide its services nation wide and to all segments illustrating balance and equity for all ADE clients. For more information please visit

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Local and national publications including but not limited to Auto Body Repair News (ABRN), Body Shop Business (BSB) and others. For more information please request CV or visit

ASE Master Certified in collision repair/refinishing including damage diagnosis and estimating. Please request CV or visit

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As a quality Collision Repair facility owner, we received Top shop, Small Business of the year and other awards and accolades. Please request CV for additional information in this regard.

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