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Auto Insurance Claims/Car Accident with Expired Drivers License

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Question
I was involved in a car accident today.  I was sideswiped.  His version is different than mine, but mine is true.  The only witnesses were coworkers of the man.  I was alone.  He has minimal damage and I have more damage than him. When  the police came and I gave them my info, it turned out I had an expired license.  I had some personal issues, was away for a bit and recently came home.  Most of my personal affects are missing and honestly, my license didn't even cross my mind.  I know that is irresponsible.  I am going to DMV tomorrow to renew it.   I have GEICO insurance.  It is up to date and valid.  My question is will GEICO cover the damages to my car and his if he sues?  Or even just his?  I am not sure if they will cover it because my license was expired.  Any info you can give me is appreciated.  Thanks

Answer
Gina,

  To be 100% positive, we would need to look at your policy and see if there are any endorsements regarding licensed drivers.  With that being said . . . RELAX.  Whether you have a driver license or not is irrelevant to whether or not you negligently operated your motor vehicle.  GEICO normally has a pretty standard policy that does not exclude coverage based on whether you are licensed or not, but whether you have permissive use of the vehicle.  

  So. . . to answer. . . YES, GEICO will probably pay with no problem.  I'm sorry I can't say for 100%, but it's close.  If you want to be sure, get a copy of the policy and look us up, we'll point you to the right place to read and you can interpret it yourself.  

   I hope this helps!  Information is always free at Petty Details, LLC!

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Justin Petty

Expertise

Challenge me! I promise that I will provide you with the most honest answer I can muster, and I will base it on nearly 20 years of complex claims experience. My strength is shooting it straight and seeing through BS. I do not bluff and I can tell when somebody is. I've handled claims in almost every State in the U.S. and adjusted claims and consulted attorneys and CEO's on recovery and special claims tactics for over a decade. I am the founder and President of Petty Details, LLC. We provide the highest quality claim services to insurance companies, attorneys and individuals all exactly in the same way, by paying attention to the details and doing the right thing.

Experience

Nearly 20 years of combined claim company management, litigation, all lines adjusting, claim auditing, damage assessment, subrogation, small claims, tort recovery, collection, skip-tracing, tactical investigations, and contribution claim recovery experience across the United States of America.

Organizations
NASP (National Association of Subrogation Professionals) AllExperts.com (Auto Insurance Expert) Diminished Value Appraisers Group (LinkedIn)

Publications
10 years experience in writing and developing technical claims correspondence for litigation and unique scenarios at insurance companies and as a consultant to attorneys assisting with legal briefs and research. 42 published articles relating to auto insurance and claims. Self Published e-books entitled "How Much is My Injury Worth" and "Diminished Value - How Do I Get Paid?".

Education/Credentials
School of hard knocks, 3 years college, NO DEGREE, years of real world experience running a claims service company and adjusting claims for carriers. Speaks English and Spanish, Limited Portuguese & Italian.

Awards and Honors
Platinum Author (EzineArticles.com) All Lines Adjuster (TX, 1998 - 2008) TX Public Adjuster (2009 - 2011)

Past/Present Clients
State Farm Insurance, Endeavor GA, MileMeter Ins., American Recreational Markets, Gainsco Ins. Co., Safeway Ins., Home State County Mutual Insurance, Old American County Mutual Insurance, FCCI, Farm Bureau, Liberty Mutual, and Pronto General Agency, LTD just to name a few! On top of insurance companies and attorneys, I have personally helped thousands of accident victims with the difficult and stressful process of navigating their claim to a successful resolution.

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