No License doesn't automatically mean your not entitled to indemnity

No License doesn't automatically mean your not entitled to indemnity

A consumer contacted our office seeking clarification on whether their insurer could deny coverage for an accident on the basis that the driver did not hold a valid driver’s license at the time of the loss.

Under the standard automobile policy wording in New Brunswick, operating a vehicle without a valid driver’s license and without being otherwise qualified to drive may indeed result in a denial of coverage.

However, in this particular case, the information provided by the consumer suggested that, despite not holding a valid license at the time, the individual may nonetheless have been qualified to operate a motor vehicle.

We advocated on the consumer’s behalf and were able to demonstrate that the driver met the criteria of being qualified to drive. As a result of our intervention, the insurer reassessed its position, and the claim was ultimately approved and paid.