WHEN WILL MY HUSBAND’S INSURANCE FIND OUT THAT HIS LICENSE IS SUSPENDED?

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MY HUSBAND HASN’T TOLD HIS INSURANCE THAT HIS LICENSE HAS BEEN SUSPENDED SINCE SUMMER 2018, HE HAS FULL COVERAGE ON HIS TRUCK AND IS THE ONLY NAMED INSURED ON HIS POLICY. AS OF TODAY, HE IS STILL BEING COVERED. IN WHAT CASES WOULD HIS INSURANCE COMPANY VERIFY THE STATUS OF HIS DRIVER’S LICENSE? LIKE FOR EXAMPLE, ADDING HOME OWNERS INSURANCE OR ADDING ANOTHER VEHICLE?”

Asked February 13, 2019

1 Answer


Without you specifically telling the insurance company that the license was suspended, there is no way the insurance company will find out during the policy period. There are a small number of specific situations in which an insurance company could find out that a driver they already insured had a suspended license. Typically, insurance companies only pull a motor vehicle report (MVR)when the policy is first written. On occasion, the insurance company will pull an MVR at the anniversary date or renewal of the policy, but this is rare, because it costs the insurance company money to do so. Policy changes such as adding another vehicle, replacing a vehicle, or adding home insurance would not trigger a new MVR pull. The only other situation that the suspended license would come to the insurance company's attention is if there was an accident that resulted in a claim on the policy and the claims adjuster discovered the license was suspended during the course of the claims investigation.

Answered February 15, 2019 by InsuranceStar

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