Accident with an expired drivers license covered by insurance?

It will depend on the clauses outlined in your insurance policy. In theory, if you have paid for coverage for that month and an accident occurs you should be covered regardless. Your insurance covers the names listed on the policy and your license is only needed to get insurance. The insurance company is more interested in finding out who is at fault and if you were covered during the incident. Driving while having an expired license is not only against the law but during an auto accident will show up on the police report that will be forwarded to your insurance company. The best way to find out if you are still covered is to call your auto insurance representative and see if having an expired license during an accident would go against any rules outlined in your policy. Different insurance companies have different rules in each policy and by breaking these rules, you could end up with higher rates in the future.