Can I File a Car Accident Claim If My Nevada Driver’s License Was Expired?

Car accidents across the state of Nevada continue to be a significant cause for concern. In fact, according to the Nevada State Police Office of Traffic Safety’s most recent Nevada Fatal Data, there were a total of 284 car accidents in Nevada in 2019 that claimed the lives of more than 300 people.

If you were fortunate enough to survive your car accident, you may be anxious to hold the liable party accountable for their negligent actions. However, you may be concerned about how your case will be affected if your Nevada driver’s license expires at the time of your accident. The good news is that having an expired license does not automatically disqualify you from seeking compensation.

“An expired license does not determine fault in a car accident. What matters most is who was responsible for the crash.”

In this guide, we’ll explain how an expired license affects your car accident claim, whether insurance will cover you, and what steps you should take next.

Does an Expired License Affect Your Right to File a Car Accident Claim?

Many drivers fear that an expired license prevents them from filing an accident claim. However, in Nevada, car accident claims are based on fault, not your license status. This means that if another driver was responsible for the accident, you still have the right to file a claim against their insurance policy.

• Nevada is a fault-based state, meaning the at-fault driver’s insurance typically pays for damages.
• An expired license does not determine fault—what matters is who caused the accident.
• However, insurance companies may use your expired license against you to reduce or deny your claim.

“Even if your license has expired, Nevada’s comparative negligence rule may still allow you to seek compensation.“

Even if you were partially at fault, Nevada follows a modified comparative negligence rule. As long as you were less than 50% responsible, you can still recover compensation.

Will Insurance Cover an Accident If My License Was Expired?

How Auto Insurance Companies Handle Expired License Cases

The answer depends on your insurance policy and the circumstances of the accident

• If you were NOT at fault: The at-fault driver’s insurance should still cover your damages.
• If you were at fault, your insurance may cover the damages, but it could deny coverage if having a valid license was a policy requirement.
• If you were driving illegally, Insurance companies may argue that your expired license contributed to the accident and attempt to reduce your claim.

“Insurance companies will always look for reasons to deny a claim. An expired license is just one of many tactics they may use.”

Situations Where Insurance Might Deny Your Claim

Insurance companies look for ways to avoid paying claims. They may deny your claim if:

• Your policy expressly excludes coverage for an expired license.
• You were engaging in reckless or unlawful behavior at the time of the accident.
• The insurance company argues that your expired license contributed to the crash.

In most cases, having an expired license does NOT mean automatic denial, but you should be prepared to fight for your rights.

Can You Get Auto Insurance with an Expired License?

If your license has expired, you may wonder if you can still get auto insurance. Here’s what you need to know:

• Some insurance companies will not issue a policy to drivers with an expired license.
• However, some providers offer non-owner or high-risk insurance for drivers without an active license.
• If your license was valid when you purchased the policy but later expired, your existing coverage may still apply.
• The best approach? Renew your license as soon as possible to avoid coverage issues.

“If your license expires, your best course of action is to renew it immediately. This can help prevent insurance complications.”

Legal Consequences of Driving with an Expired License in Nevada

In Nevada, driving with an expired license is a misdemeanor offense. This means you could face penalties such as:

• Fines up to $1,000
• Up to six months in jail
• Community service or probation
• Possible suspension of driving privileges

“While an expired license carries legal penalties, it does not automatically prevent you from getting fair compensation for an accident.”

While these consequences are serious, they do not automatically prevent you from filing a car accident claim. However, insurance companies may use these penalties against you in settlement negotiations.

What to Do If Your Car Accident Claim Is Denied Due to an Expired License

If the insurance company denies your claim, don’t panic—you still have options. Here’s what you can do:

Steps to Strengthen Your Case

• Renew your license ASAP – This shows responsibility and may help in negotiations.
• Gather strong evidence—photos, videos, witness statements, police reports, and medical records can all support your claim.
• Hire a car accident lawyer – Insurance companies are more likely to negotiate pretty when you have legal representation.

“A strong case backed by solid evidence can help overcome an insurance denial due to an expired license.”

When to File a Lawsuit Against the Insurance Company

Sometimes, insurance companies refuse to settle somewhat. If that happens, you may need to take legal action. You should consider filing a lawsuit if:

• The insurance company wrongfully denied your claim.
• The at-fault driver’s insurance refuses to cover damages.
• You suffered significant financial losses and need full compensation.

Conclusion: Contact a Nevada Car Accident Lawyer for Help

If your license has expired at the time of a car accident, you can still file a claim and seek compensation. However, insurance companies may try to deny or reduce your claim, so it’s essential to have a strong legal advocate on your side.

At Gina Corena & Associates, we fight for accident victims—even when insurance companies try to use an expired license against you. Our experienced car accident lawyers will handle the legal process, negotiate with insurers, and ensure you receive the maximum compensation you deserve.

“An expired license should not stand between you and the compensation you rightfully deserve. Let a lawyer help you fight for justice.”

Don’t let an expired license stop you from getting justice. Contact us today for a FREE consultation. Get the legal help you deserve—reach out to us online to get started!