Will my Car Insurance Pay for Damages if I’m Driving Outside my Restriction?
Reader’s Question:
I was driving in Green Bay Wisconsin WI on a restricted driver’s license by DUI. I was driving outside my restrictions. I crashed my car due to a road hazard so will my insurance pay for damages even though I was not driving to/from work as mandates by my restricted license provisions?
Sarrah
Green Bay, WI
The insurance company’s provisions and/or exclusions will determine if this is covered under your policy. Exclusions on a Personal Auto Policy can be different for every carries and state, so you better review your policy:
Some typical exclusion follows:
-committing a high misdemeanor or felony, or seeking to avoid lawful apprehension or arrest by a police officer; or
-acting with specific intent to cause injury or damage to himself or others;
-operating or “occupying” an “auto” without the permission of the owner of the “auto” or name insured under the policy insuring that “auto”.
-War (declared or undeclared);
-Civil war;
-Insurrection;
-Rebellion or revolution;
-Any act or condition incident to any of the above resulting from radioactive, toxic, explosive, or other hazardous properties of nuclear material.
-and other specified on each policy…
Based on the typical exclusions listed, it seems like you will have coverage afforded unless there are other exclusions listed on your policy.
Driving Without Drivers License Penalties and Fees in Wisconsin
Reader’s Question:
How much would a driving without a license ticket cost in Racine, Wisconsin?
George
Racine, WI
The cost of the driving without a license ticket should/must be written on the ticket by the office.
The Wisconsin clerk of the court states that the dollar amount written on your ticket is actually a combination of a forfeiture and numerous fees and surcharges.
A ticket for driving with license expired or without any license in Racine and all cities in Wisconsin is a three point surcharge, which is estimated at $125.90.
You may contact the license division directly at (608) 266-2353.
Senior Car Insurance in Wisconsin – Driving Without a License
Reader’s Question:
My elderly grandfathers drivers license expired last January and he continues to drive his vehicle. Apparently he couldn’t see well enough to complete the renewal exam, so he will likely would not be given a renewal even if he tried. If he gets involve in an accident, will his car insurance cover his losses if he is knowingly driving without a license? We both live in Eau Claire, Wisconsin.
Harry
Eau Claire, WI
If your grandfather is currently insured now in Eau Claire, WI he will be covered for the insurance coverage he has, even if the drivers license is expired. But, when the car insurance policy is renewed usually the driving record is run and it will be known that he doesn’t have a valid drivers license. Then he would have to obtain it or be canceled or no renewed. Also he will obtain a ticket for driving with suspended/revoked license and can be arrested as well.
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