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Will an Expired License Affect my Car Accident Claim?

Getting involved in a car accident in New Jersey can be a stressful and overwhelming experience, but the situation becomes even more complicated when you’re driving with an expired license.

In this comprehensive article, we’ll explore the potential impacts of driving with an expired license on your car accident claim.

We’ll address crucial questions regarding insurance, legal consequences, and steps to protect yourself in such a scenario.

By the end, you’ll have a clear understanding of the issues of an expired license in a car accident and how to navigate this situation.

Will an Expired License Affect my Car Accident Claim?

Does an Expired License Invalidate my Insurance Claim?

If you’re driving with an expired license and are involved in a car accident, it’s natural to wonder whether your insurance claim will be affected.

In most cases, having an expired license does not automatically invalidate your insurance claim.

According to data from the Insurance Research Council (IRC), approximately 12.6% of auto insurance claims face increased scrutiny when the insured has an expired or suspended license.

However, insurance companies may investigate the car accident more thoroughly to determine if your expired license played a role in the incident.

It’s essential to note that your insurance policy might have specific clauses regarding the validity of your license, so it’s crucial to read your policy carefully.

Must do:

  1. Regularly renew your driver’s license to avoid complications with your insurance claim.
  2. Review your insurance policy to understand how it handles claims related to expired licenses.

How to renew your driver’s Expired license in New Jersey?

To renew an expired driver’s license in New Jersey, follow these steps:

  1. Visit the MVC: Go to a New Jersey Motor Vehicle Commission (MVC) agency. Online service is not available for expired licenses.
  2. Bring Identification: Take 6 Points of ID and proof of address. Check the MVC website for what counts as 6 Points of ID.
  3. Complete Application: Fill out an application form at the MVC.
  4. Pay the Fee: Pay the fee. Check the latest fee on the MVC website.
  5. Vision Test: You might need to pass a vision test.
  6. Receive New License: After completing these steps, you will receive a new license, often the same day.

Will Insurance Cover an Accident if Registration is Expired?

Data from the Insurance Information Institute (III) reveals that approximately 4% of auto insurance claims are denied or reduced when the vehicle involved in an accident has an expired registration.

While an expired license might not immediately invalidate your insurance claim, the same may not hold true for expired vehicle registration.

If your vehicle’s registration is expired at the time of an accident, insurance coverage may be at risk.

Insurance companies typically require that your vehicle’s registration is up to date. If it’s not, they may deny your claim or reduce your coverage.

Must do:

  1. Ensure your vehicle’s registration is current to maintain full insurance coverage.
  2. Be proactive in renewing your registration to avoid issues after an accident.

How to renew an expired vehicle’s registration in New Jersey?

To renew an expired vehicle registration in New Jersey, follow these steps:

  1. Gather Required Documents: You need your notice or your current registration certificate.
  2. Choose a Method: You can get services online, by mail, or in person at a Motor Vehicle Commission (MVC) agency.
  3. Online Service: Visit the NJ MVC website, enter the required information from your notice or registration document, and pay the fee with a credit card.
  4. Mail Service: Send the notice and payment (check or money order) to the address provided in your notice.
  5. In-Person Service: Go to an MVC agency with your notice or current registration, and pay the fee.
  6. Pay the Fee: The fee varies based on the type of vehicle. Check the fee on the MVC website.
  7. Receive New Documents: After processing, you’ll receive a new registration certificate and sticker.

What Happens if You Drive a Car Without a License in New Jersey?

According to the New Jersey Division of Highway Traffic Safety, driving without a valid license in the state can have serious consequences.

In New Jersey, an estimated 22% of traffic citations are related to driving without a valid license.

The consequences for driving without a valid license in New Jersey can be severe. On average, violators may face fines ranging from $200 to $500.

Additionally, their driver’s license can be suspended for a period of up to six months, and they may even face imprisonment for up to 60 days.

If you get into a car accident without a valid license, you may face legal consequences, and this can also impact your ability to file an insurance claim.

It’s vital to remember that operating a vehicle without a valid license is against the law and poses significant risks.

Can the Insurance Company Cancel my Policy?

Data from the National Association of Insurance Commissioners (NAIC) reveals that insurance providers have the authority to cancel or non-renew policies under certain circumstances.

Approximately 3.9% of auto insurance policies were canceled or non-renewed by insurance companies in the United States in 2021.

If you get into a car accident with an expired license or registration, your insurance company might not only scrutinize your claim but also have the right to cancel your policy.

Insurance providers have specific terms and conditions in their policies, and they can terminate your coverage if you’re found in violation of their rules, such as driving without a valid license or expired registration.

Must do:

  • Be aware of the terms and conditions in your insurance policy, including those related to your driver’s license and vehicle registration.
  • To avoid policy cancellation, always adhere to the rules and regulations of your insurance provider.

How Can I Protect Myself in this Case?

If you find yourself in a car accident with an expired license or registration, there are steps you can take to protect yourself:

  1. Consult with an attorney: Seek legal advice to understand your rights and options.
  2. Gather evidence: Collect all pertinent information about the accident.
  3. Contact your insurance company: Notify your insurance provider about the accident promptly.
  4. License and registration: Address any outstanding issues to become compliant with the law.

See also: Newark Personal Injury Lawyer

What Kind of Compensation Should I Recover?

The compensation you can recover in a car accident case with an expired license or registration will depend on various factors, including the circumstances of the accident, the extent of your injuries, and the available insurance coverage.

Statistical data from the New Jersey Department of Banking and Insurance indicates that in 2021, the average personal injury settlement for car accidents in the state ranged from $15,000 to $30,000, depending on the severity of injuries and other factors.

In New Jersey, personal injury claims can cover medical expenses, lost wages, property damage, and pain and suffering.

Must do:

  • Consult with a personal injury attorney, Rosengard Law Group also offers professional advice, to assess the potential compensation available in your specific case.

How to Talk to Personal Injury Lawyers in an Expired License Case in New Jersey?

When facing a car accident with an expired license or registration, it’s advisable to consult with an experienced personal injury attorney in New Jersey.

To discuss your case effectively with an attorney:

  1. Provide accurate details: Be honest about your situation and any potential violations.
  2. Ask about their experience: Ensure the attorney is well-versed in personal injury cases involving expired licenses or registrations.
  3. Discuss fees and payment structure: Understand the attorney’s fees and how they will be compensated.

FAQs

Can I Fall into Legal Trouble for Driving with an Expired License?

Yes, driving with an expired license can lead to legal consequences, such as fines, license suspension, and potential imprisonment.

What Can I Do Immediately After an Expired License Driving Case?

After an accident with an expired license, consult with an attorney, collect evidence, contact your insurance company, and take steps to rectify your license and registration issues promptly.

Conclusion

Getting into a car accident with an expired license or registration can be a challenging situation.

It’s essential to understand the potential impacts on your insurance claim, legal consequences, and steps you can take to protect yourself.

By being proactive and seeking legal guidance, you can navigate the complexities and ensure that your rights are upheld in the aftermath of an accident involving an expired license.

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