A car accident is stressful enough. If the at-fault driver does not hold a current driver’s license, you should ask for guidance from a car accident attorney.

A car accident attorney can negotiate with your insurance company and let you know how to proceed if the other driver’s license has expired, or the at-fault driver is not carrying a valid driver’s license at the time of the car accident.

What Happens When an Unlicensed Driver Gets in an Accident with a Driver with a Valid License?

A driver without a valid driver’s license may also be driving without car insurance, so you may have to resort to turning to your uninsured motorist (UM) insurance policy to cover injuries and damages. This often occurs if an unlicensed driver is held responsible and has their license revoked.

The lack of a valid license or a suspended or revoked license may occur if the unlicensed driver has a history of DUIs, too many moving violations, or was even driving a stolen vehicle and was caught.

Elderly drivers may also lack liability insurance or may be driving with an invalid license if they fail their license renewal exam. When an unlicensed driver borrows a car, such as a teen, it may impact traffic safety and your auto insurance coverage as well.

Covering Costs Against an Uninsured and Unlicensed Driver

Covering Costs Against an Uninsured and Unlicensed Driver

While a vehicle’s coverage for uninsured motorist (UM) insurance for a licensed driver is legally set at $30,000 for bodily injury, $60,000 per accident, and $15,000 for property damages, those amounts can add up pretty fast. This is especially true in auto accidents involving unlicensed drivers without the required insurance.

This leaves you no choice but to seek personal injury protection and compensation from the unlicensed and uninsured driver. Therefore, you’ll need to contact an experienced team of lawyers if your own insurance company can’t cover the costs of the wreck.

These law firm professionals will make sure the vehicle owner who is driving without a valid license is held liable for the injuries sustained in the car accident claim.

Being an unlicensed driver in Maryland or driving without insurance coverage are definitely offenses that carry serious legal consequences – some of which end in fatal crashes and stringent violations for breaking these traffic laws.

Seeking Compensation: What to Expect

Recovering compensation may include asking for medical expenses for medical attention and medical treatment along with lost wages.

A wrongful death claim may be filed in cases of fatal car crashes. It may also be possible for your attorney to negotiate with the other driver’s insurance company, even if you’re involved in an accident with an unlicensed diver.

Proving Negligence

You may also need to prove negligence, showing your own insurer that the other driver was at fault for the accident. That’s why it’s important to obtain experienced legal representation. This can get tricky, as a car accident involving an unlicensed driver depends on the police report and how the accident with an unlicensed driver is viewed.

Just because the other driver was in a car crash does not mean they’re at fault for the crash itself. You may have been the one who hit them and therefore may end up filing an at-fault motor vehicle claim with your car insurance company.

What If a Driver Without a Valid License Borrowed Your Car?

A Driver Without a Valid License Borrowed Your Car

If an unlicensed driver borrowed your car, your insurance protection follows the car – not the driver. So, if you wish to seek compensation in this type of claim, you must rely on your own auto insurance policy if the driver is to blame.

The same holds true for someone driving a company vehicle. The company will depend on its own insurance policy if the driver is shown to be at fault.

Filing a No-Fault (PIP) Claim

You might also file a no-fault claim for these types of car accidents if you’re using your personal injury protection (PIP) insurance policy.

While insurance companies are required to offer PIP, not everyone carries an insurance policy. PIP will cover your medical expenses and lost wages for you and your passengers, regardless of who is deemed to be at fault. You’ll need to rely on your medical insurance for anything over the amount you can receive from your PIP coverage.

If an accident happens and you’re at fault with an unlicensed driver, you’ll be responsible for their medical bills or must be helpful in this respect if they have to seek medical attention and care.

Penalties for Driving Without Valid Licenses in Car Accidents

The Penalties for Driving Without Valid Licenses in Car Accidents

Even if an unlicensed motorist does not cause a crash, they can still get in plenty of trouble. For a first offense, an unlicensed motorist can spend up to 60 days in jail and pay a penalty of $500 and five (5) points on your license once valid. A second may lead to a year in prison. Penalties and costs increase if you’ve been charged with additional crimes, face a third offense, or have a previous criminal record.

Understanding Unlicensed Drivers

As noted, a driver may be driving without a license for one (1) of various reasons. There are also scenarios, although rare when it’s okay to drive without a license. The following information gives you more details about why some people may be driving unlicensed.

The 5 Types of Unlicensed Drivers

In Maryland, driving without a driver’s license is definitely unlawful. Yet, many unlicensed drivers are driving the highways and byways. Let’s explore five types of drivers who drive without a valid license to understand this issue better.

  • Never Obtained a License

Some drivers have never passed a driving test. They lack the basic legal approval to drive.

  • Expired License

Licenses have expiration dates. Drivers with expired licenses are considered unlicensed.

  • Suspended License

A suspension is a temporary loss of driving privileges. This can happen for many reasons, like accumulating too many points for traffic violations.

  • Revoked License

A revocation is more severe than a suspension. It’s a complete termination of the driver’s license, often for serious offenses.

  • License from Another State Not Valid in Maryland

Sometimes, a driver might have a license that’s not recognized in Maryland due to various legal reasons.

The AAA Foundation for Traffic Safety showed that one in five drivers were involved in fatal car crashes. So it doesn’t pay to drive without a license.

When Driving Without a License Is Legal

Unlicensed Drivers

In Maryland, driving without a license is usually illegal. But there are rare exceptions. One such exception is made for emergency drivers. If someone needs urgent medical help, an unlicensed person may drive to seek assistance.

Insurance Claims for Car Crashes with Unlicensed Drivers: A Quick Overview of Your Options

When an unlicensed driver gets in an accident in Maryland, the insurance claims process can seem daunting. However, there is hope and a way forward.

First, know that insurance policies typically cover the vehicle, not just the driver. This means if the unlicensed driver had permission to use the car, the owner’s insurance might still cover the damages.

If you’re the victim, your own insurance may offer protection too, especially, as noted, through uninsured motorist (UM) coverage. This insurance is a lifesaver if the unlicensed driver lacks insurance.

Keep Records for Insurance Purposes and to Maximize Your Claim

Document everything at the accident scene and report the crash to your insurance company quickly. They can guide you on the next steps and help get you through the claims process.

Remember, seeking legal advice can also provide clarity and support. A lawyer can help you understand your rights and ensure you take the correct steps towards financial recovery.

Get a Free Consultation with Top Car Accident Attorneys at the Law Offices of Alex Poberesky, P.A. 

If an unlicensed driver gets into an accident in Maryland, getting through the aftermath can be difficult. Legal support becomes critical. The Law Offices of Alex Poberesky, P.A., offers helpful advice on such matters.

We understand the complexities of car accident claims involving unlicensed drivers. Therefore, our team can guide you through the legal process, ensuring your rights are protected.

Whether you’re the unlicensed driver or the victim, our skilled and experienced lawyers can help you understand your legal options and the next steps to take. Don’t face this challenge alone. Contact the Law Offices of Alex Poberesky, P.A., today for a free consultation and the support and guidance you need.