Yes it does have to cover you
With a suspended insurance license, I would not because you will be breaking a law. With a suspended drivers license you can sell insurance.
You can definitely exclude your spouse from your auto insurance. They shouldn't be driving if their license is suspended so they don't need insurance.
No insurance company will cover you for driving whilst suspended. Any illegal activity will deem your policy null and void.
Insurance and Suspended LicensesYes, If you auto insurance policy was active and in force at the time of your accident then they will cover the losses to the extent and limits of your policy coverage. Bare in mind taht if the Insurance company was not previously aware of your license suspension and depending on the reason they may decide to cancel your policy.AnswerTypically, no. One of the conditions of coverage generally is the existence of a valid driver's license. If the license was suspended but you were nonetheless driving, the insurer may well have a coverage defense.
NO, It's just the opposite. An SR22 Filing does not Get your License Suspended, But rather "Failing to get the SR22 Filing from Your Auto Insurance Company" after a serious violation is what causes your license to get suspended.
Ordinarily an auto insurer will require a valid license as a condition of issuing a liability policy.
== == If you don't have a valid driver's license, you can't get insurance coverage.
True
If you are covered by an "Active" auto insurance policy then you will be covered, whether or not you have an active drivers license.
Until you obtain auto insurance and prove to the court that you are now insured.
CAN I GET INFORMATION ON LINE TO SEE IF MY AUTO INSURANCE HAS BEEN SUSPENDED THRU DMV?
If your policy was still active, then it is covered, If you suspended? or rather cancelled your coverage. Then it is not covered. If you had taken your auto out of us and suspended your insurance than you will need to again restore your auto from non-use to use and notify your insurance company of the same before you start using your auto. You have not done this and hence even if you have valid insurance the insurance company is liable to pay only liablity - if any and not for damage to your own automobile.