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It seems logical to me that your personal injuries (bodily injury) would be covered by the third party's insurance still because their vehicle caused your injuries (just llke if you were a pedestrian, etc). As far as vehicular damage, I'm not sure .. I would assume that varies from state to state.

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Q: If you were rear ended by a driver with a license not the owner of the vehicle and the driver of your car's license was expired will you still be able to recover damages from the rearenders insurance?
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If your motor vehicle license has expired can you still make an insurance claim?

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