Q: If the other driver at fault insurance was valid during accident but has expired is their insurance still liable ?
The accident was October 30 2022 we made the initial calm same day . But has been 3 months and over 25 attempts and 9-12 voicemails 4 months later we finally get a answer and they say his insurance expired January 23 2023 and that we would have to go through our insurance under uninsured motorists.
Automobile liability insurance is an occurrence policy, not a claims made policy.
As long as his insurance was in force on the day of the accident, the other driver can seek indemnity under it.
You should have your attorney file suit, serve the other driver, and put the other driver’s insurance company on notice of the lawsuit as soon as possible.
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