Accident Insurance Company
Reader’s Question:
Is it okay not to report to my accident insurance company an accident in which a suspended licensed driver drove my car and the incident was not his fault? Will the at-fault driver’s insurance company cover the damages to my car even if the driver’s license was suspended?
Tina
Chicago IL
First of all, a driver whose license was suspended is not allowed to be driving a car and could be facing some serious problem if he/she was found by the authorities driving without license especially if they were at-fault. However, in your case, you may not be obliged to tell your insurance company about the minor accident but it is wiser to let you report the incident that your car was involved in.
The at-fault driver’s accident insurance company should cover all the damages to your vehicle even if the driver’s license of the other party was suspended. Try to collaborate and contact their insurance company to find out how much they will cover for the damages. The driver of your car, with a suspended license, would have faced some serious penalties once the police were called out to the scene and reported him for driving without a license.