If My Car Insurance Was Expired, But the Other Driver Caused the Accident, Do I Have a Case?
Many people worry that lapsed insurance or an expired policy could prevent them from pursuing a personal injury claim. The truth is: your insurance status generally does not affect your ability to recover damages from the at-fault driver.
Key Points
Negligence Matters, Not Insurance: The core question in any personal injury case is whether the other driver was negligent and caused your injuries. Your insurance coverage—or lack thereof—does not change that fact.
Licensing Status: As long as you had a valid driver’s license at the time of the accident, you are not barred from seeking compensation, even if your insurance had expired.
Insurance Company Tactics: Some insurers may try to intimidate you by claiming you cannot file a claim due to lapsed coverage. This is not true. An experienced personal injury attorney can help protect your rights and ensure you receive the compensation you deserve.
Bottom Line
Expired insurance does not automatically prevent you from making a personal injury claim if another driver caused the accident. Focus on proving negligence and your injuries, and work with an attorney who can navigate insurance tactics and protect your recovery.
