In which situation would an insured be unable to claim under their auto insurance?

An insured would typically be unable to claim under their auto insurance if they were driving with a suspended license. Insurance policies often have stipulations that state coverage is void if the insured is operating a vehicle in violation of the law. A suspended license indicates that the individual is not legally permitted to drive, which can lead insurers to deny claims since the act of driving itself is unlawful.

In contrast, being legally parked does not present any grounds for denying a claim as it reflects responsible and lawful behavior. Claims resulting from being struck by an uninsured driver can often still be claimed under certain coverages, such as uninsured motorist coverage. Similarly, minor accidents generally do not prevent claims; in fact, most policies are designed to accommodate them, unless the situation involves specific exclusions.