Without knowing the specifics of your insurance policy or the guidelines of your insurance provider we are unable to say for certain if they would be able to deny any claims arising from you being in an accident while driving on a suspended license.

If your insurance is in effect even with your suspended license then likely your insurance company would cover you in an at-fault accident unless your policy has exceptions if you are driving without a valid license. Your insurer may be able to drop your policy at the next renewal period or whenever they next pull your MVR and find out that your license has been suspended by the state.

Another issue that may allow your insurance carrier to deny claims coming from you being at fault in an accident is the actual medical condition which caused the state to suspend your license, especially if this health issue is the reason that you have an accident. Most insurance companies require their policyholders to inform them if they have a medical condition that could affect their driving.

If you have not notified your insurance provider of your health issue that caused the DMV to suspend your driving privileges then your insurer may be able to deny a claim since they were unaware of your health issue and the risk as a driver it has associated with it. So an omission of the medical condition to the insurance carrier may allow them to deny claims arising from an at-fault accident occurring while you are driving with a suspended license.

Driving on a suspended license in most states come with sever penalties and you may not be covered if in an accident by your insurance provider so you should see if others can drive you around for your needs instead of putting yourself at risk for penalties and your assets at risk if you are not covered for an accident.

If you are about to get your license reinstated then you can shop for low cost car insurance quotes here with us.