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What happens if my husband gets into an accident with no driver's license?
My husband is in the process of getting his license. He was in an at-fault accident with my car. I'm in the process of submitting a claim to my insurance, but they're asking for his driver's license. Will they deny my claim?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“If your husband has been in an accident with your vehicle and doesn’t have a license, your
car insurance company
will likely deny the claim. Since you are married, your husband should have been added to your car insurance policy, even if he doesn’t have a license. When a spouse is unlicensed, most insurance companies exclude them from coverage. This means that your insurance company is aware you’re married and that your spouse lives with you, but they have no coverage on your policy.
Driving without a license
is illegal, so most insurance companies will not cover someone without a license or permit.If your husband has a permit, your insurance may cover the accident, but the terms and conditions will dictate this. Not listing your husband on your policy is a reason that car insurance companies could deny a claim. You also risk having your insurance company cancel your policy.
The best thing to do is stay in touch with your car insurance company. If another vehicle was involved in an accident, a claim denial could mean you’re responsible for the damage or injuries your husband caused. In the future, you should always add anyone who drives your vehicle to your insurance.
When your husband finally obtains his driver’s license, your husband’s accident is likely to impact your rates. As a result, you should shop around to get the best rate. Use the
Jerry
app to compare quotes from dozens of insurers so you’re always getting the best rate possible.”View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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