If I am in an accident with an expired license am I at risk for being sued and losing my house?

UPDATED: Jul 1, 2015

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UPDATED: Jul 1, 2015Fact Checked

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Asked July 1, 2015

1 Answer


As a driver, you know that you have mandatory requirements. You must have a license, registration, and proof of insurance. If you are lacking any of these essential documents, it can lead to problems, especially if you are in an accident. If you have been in an accident and your license has expired, you are sure to have concerns. You may wonder if you can be sued or even lose your home for such an oversight. It's important to get the facts.

Consequences of Driving with an Expired License

If you are driving with an expired license, you open yourself up to the risk of several consequences. In most states, you will have a grace period for thirty days after your license expires. If you get it renewed within that time, you may not have any problems. However, go longer than the grace period and you could be in for trouble. If you are stopped with an expired license, you could expect a ticket, fines that are at least $250, points on your driving record that will increase your insurance premium, and your vehicle could be impounded. If you are in an accident, the consequences could be much more serious.

What Happens with an Expired License in an Accident?

In the event that you are in an accident with an expired license, you can anticipate all of the consequences for driving without a license and more. There is a good chance that the insurance company will not cover your claim because you were not licensed to operate a vehicle at the time of the accident. If you are not covered, you will be responsible for any expenses caused by the accident. The cost could be astronomical if hit someone else in an accident, especially if another person was hurt. Medical expenses could be so extensive that you could be sued. It is possible that you could lose your house if you have no way to pay for all of the losses that occurred due to the accident. If your insurance company doesn't deny the claim, you can expect that your premiums will be increased. Your insurance company may drop you as a client after the claim has been resolved. Driving with an expired license can open you up to a world of problems. You should renew your license as soon as possible to avoid any repercussions.

Answered July 11, 2015 by Anonymous

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