Insurance company guidelines and policy terms differ so if a person was driving without a revoked license and caused a wreck, he or she would have to inform their insurance company of both issues to find out for certain if the accident would be covered.

The accident might be covered if their insurance policy was in effect at the time if the accident and there is not an exclusion in the policy for the loss of a license or invalid licensed driver. If instead the policy notes that a driver without a valid license is not covered then the person may be left without insurance coverage for the incident.

Typically, the license status at the time of a claim does not change the policy status and the claim would be paid. It is important for motorists not to drive with a suspended, revoked or expired license since it is invalid and the person could be cited by law enforcement and their insurance may not cover them if they are in an accident. If a person is ticketed then there are normally penalties such as fines and a lengthening of your license suspension or revocation at the very least.