you can get all the legal advice your pocket will afford, however, in my many years with autos, it is not the insur. companies responsibility to check on your license. Any vehicle can be insured with or without a valid license. I could even insure your vehicle, though it’s not in my name. you lost your vehicle due to YOUR neglegence, not the insur. company’s. But you CAN simply check with your state’s dept. of motor vehicles for specific answers.