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Will car insurance companies drug test?

Here's what you need to know...

  • Though, by contract, some car insurance companies can request a drug test, it is highly unlikely that you will be asked to submit to one, either during the application process or after an accident.
  • After an accident, drivers may be asked to submit to a drug test for legal or health reasons.
  • If the accident leads to litigation, the results of these drug test may be relied upon in the court of law.
  • Drivers should check their auto insurance policies and seek legal counsel for additional information regarding car insurance and drug testing.

Many consumers find the most competitive car insurance rates by shopping online and using a comparison tool. Drug testing is used by many different entities to help determine qualifications, fault, or even health information. Whether you are applying for a new insurance policy or have recently been involved in an accident, you might be wondering if car insurance companies will perform any type of drug testing. Start comparing car insurance rates now by using our FREE tool above!

Though both situations will require gathering information from you, generally, neither requires a drug test. However, drug testing can be legally requested of drivers by local law enforcement or even doctors who treat you after a car accident.

What is Required When Applying for Car Insurance?

It is highly unlikely, if not completely unheard of, that any car insurance shopper would ever be asked to submit to a drug test when applying for an insurance policy. However, there are several other pieces of information you will be asked about in order for a car insurance company to underwrite your policy, such as:

  • If you have had coverage on this particular vehicle before or currently have coverage
  • Your driver’s license information
  • Your Social Security Number
  • Your contact information
  • Your driving history and record, including any tickets or accidents within the last several years
  • Your employment information
  • Information on how you would like to pay your premium
  • The year, make, and model of the vehicle you want to be insured
  • Information for other parties, if any, that you want to be insured on your vehicle

You should be prepared to give this information when visiting with an insurance agent or when comparison shopping for auto insurance online.

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Is a Drug Test Possible When a Claim is Filed?

Maybe a rock flew into your windshield, you hit a deer, or someone hit you. For whatever reason, you need to file a claim with your insurance company. While you should be worried about reporting the incident as soon as possible to your car insurance company, you should not worry about having to submit to a drug test when or after you file a claim.

While driver should check their individual insurance contract carefully, as the protocol can vary from one insurance company to the next, it is extremely unlikely that your car insurance company would require you to submit to a drug test at this time. If applying for insurance online while you are comparison shopping, you should check the contract at this time. However, when calling to make your claim, you should have the following information handy:

  • The date, time, and exact location of the incident
  • A detailed explanation of what happened
  • Information about the other involved parties like their contact and insurance information
  • If you incurred any injuries or medical expenses
  • If your car was able to be driven after the incident or if it needed towing
  • If anyone was given a ticket
  • If a police report was done, and if so in what jurisdiction and its case number
  • A general description of damages that your vehicle and other vehicles incurred

All of this information will help your assigned insurance adjustor to determine who is at fault for the incident and provide you with indemnification. It is important to provide as much accurate information as possible when reporting your claim, but you should not be worried about having to submit to a drug test.

Who Can Request a Drug Test?

Drug testing can be helpful to determine the cause of accidents, and at times, entities other than your own car insurance company may ask drivers to submit to one. If an accident has occurred, the law can require you to submit to a drug test or face other penalties.

If you need medical care after an accident, your physicians may also recommend that you submit to a drug test, though, generally you have the right to refuse one.

In addition, the other parties involved in the accident, including any legal representation they may hire may ask for a drug test or to have access to the results of any drug tests you may have had done in relation to this specific incident or any other drug tests you have taken over the last decade. However, your own lawyer or insurance company can object to this and may possibly get their way.

In most cases, drug testing is not required by car insurance companies, either after an accident or during the application process. However, drivers should be aware that other entities, such as police departments and legal counsel can request and require you to submit to one or to have access to the results from previous ones you have had done. Results of drug tests are usually admissible evidence in court. If you have questions about drug testing in relation to car insurance, it is best to contact an attorney or your car insurance company. To get the best rates available, use an online shopping tool when purchasing car insurance. Start comparing car insurance rates now by entering your zip code in our FREE tool below!

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