Car Insurance Arizona AZ

Reader’s Question:

My sister had her license suspended in Arizona. Is she still covered by car insurance? She lives in Gilbert, Arizona.

Laura

Gilbert, AZ

Insurance provider’s guidelines and policy terms vary so if your sister was driving without a revoked license and caused an accident in Arizona, she would have to inform his insurance provider of both issues to know for certain if the accident would be covered.

The accident might be covered if her auto insurance policy was in effect at the time of the accident and there is not an exclusion in the policy for invalid licensed driver or the loss of a license. If instead her policy shows that a motorist without a valid license is not covered then she may be left without insurance coverage if she operates a vehicle during her suspension and got involve in an accident.

However, typically the license status at the time of the claim does not change the policy status and the claim would be paid. It is essential though for motorists not to operate with a suspended, revoked or expired license because the individual could be cited by police officer and their insurance may not cover them.

If your sister finds out that his current insurance policy in Arizona is ok and will cover her if she decides to operate with his invalid license it is likely that her current insurance provider will refuse to renew her policy if her license is still revoked at renewal time. So to keep her insurance policy in place at renewal time she will need to reinstate her license.