My rates dropped by around 40% when I turned 25. But in fairness, that was also the same year my last at-fault accident became 6 years old and two minor convictions came off my driving record, so it was a really combined factor sort of thing. The fact that I was an insurance broker at the time, believe it or not, had absolutely nothing to do with it.

Turning 25 is a pretty big thing for insurance rating, but it's not the only thing. You still have your years licensed, accident history, conviction history, where you live, what vehicle you own and what coverage you bought to take into consideration.

Well, the world is a big place and you forgot to mention where you live, so the answer is maybe and that's final.

Where I live, the MTO (that's what our DMV is called) doesn't give a flying damn what someone does with their expired licence. Throw it out, cut it in half, frame it and hang it on the wall, use it to hold a bedroom door closed... they really don't care. As long as you've got a current licence with you when you drive, they're totally happy. My wife kept one of her old renewal licenses just because she likes how she looked in the picture, and she isn't breaking any laws by keeping it.

But what if you don't live in Ontario, which you might not? Then you need to look up the laws and regulations where you live, because (and I know this for a fact) the Ontario rules aren't recognized outside of Ontario.

Your insurance company or the insurance company of another party to the accident?

Your insurance company is paid by you to cover you in these cases as well as represent you to other insurance companies and, if necessary, in court. Call them and ask them to step in.

Or are you not covered by insurance? If that is the case and you were determined to be at fault, then you are going to be held liable for damages. Without insurance to fight for you, I would recommend you get a lawyer to help you sort through this complicated process.

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