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Will car insurance cover DUI accidents?

Here's what you need to know...

  • Driving drunk and getting into a car accident almost always means you will be considered the driver who caused the accident
  • Being involved in a DUI accident could result in the cancellation of your car insurance
  • A comparison tool can help you find a high-risk insurance policy

If you are in a DUI car accident, it depends on whether or not you were the impaired driver and your insurance policy. If you were the impaired driver, your insurance provider will probably determine that the accident was your fault. Depending on your insurance company and your insurance policy, your accident-related expenses may or may not be covered. If you were not the impaired driver, the other driver’s insurance should cover your accident-related expenses. If you are uncertain as to whether or not your insurance policy would cover in the event of a DUI accident, you can compare new policies with an insurance comparison tool. Compare car insurance rates now by using our FREE tool below!

DUI Accidents

According to the CDC, 10,076 people were killed in DUI-related crashes in 2013. In goes without saying that even more people are injured in drunk driving related crashes. For the impaired driver, this can result in civil and criminal penalties. According to Find Law, most states allow for felony charges against any driver found to cause bodily harm while driving under the influence.

DUI Accidents and At-Fault Liability

Determining which insurance company pays for the damages caused by the accident depends on which driver was at fault and your state’s particular insurance laws.

If you were found to be under the influence of drugs or alcohol at the time of the accident, you will most likely be considered the cause of the auto accident.

Some states have a no-fault system. The Alabama Department of Insurance explains that in a no-fault state, each driver must file a claim with their car insurance provider, and the individual’s insurance company pays for the accident related expenses. However, living in a no-fault state does not entirely preclude you from being sued. Even no-fault states contain exceptions. Usually, those exceptions state that you can be sued if you cause grievous bodily harm to another individual, and you were obviously the driver that caused the accident.

When the state does not have no-fault laws, the insurance companies must determine who caused the accident. This is because the driver’s insurance company will be responsible for paying for damages and injuries that were caused by the accident. If you are determined to be the driver that caused the auto accident, because your blood alcohol levels were higher than legally allowed, your insurance company may or may not pay your expenses. It depends on your specific insurance policy and the policies of your insurance company. If you need a new insurance policy, you can use a comparison tool to view several policies from multiple insurance companies.

  • DUI drivers are usually found to be responsible for the car accident
  • You could be sued even if you live in a no-fault state
  • You could be held responsible for your accident-related expenses

Car Accidents and Your Car Insurance

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When you get into a car accident under normal circumstances, your at-fault status and car insurance policy will determine who pays for the damage to your car and your medical bills. Since most states, like Indiana, only require liability insurance, you may only have a liability policy.

In this instance, your insurance would not pay for your car repairs if you got into a car accident, and you were under the influence of alcohol.

Collision insurance, as described by the DIFS in Michigan, pays for your accident related expenses regardless of who was at-fault. This means that your medical bills will be paid up to your insurance limits and your car will be repaired or replaced.

  • Liability insurance will not pay for your expenses if you are the impaired driver
  • Collision insurance may pay for your expenses even if you were the impaired driver due to a DUI
  • A comparison tool can help you find a new insurance policy

DUI and Your Car Insurance

If you are convicted of driving under the influence of alcohol and causing a car accident, it will affect your car insurance rates and could lead to the cancellation of your policy because you will immediately be considered a high-risk driver. In this instance, you may welcome higher rates over being canceled. This means that your insurance company can write high-risk policies. If your insurance company cannot write high-risk policies, you will be cancelled, and you will need to find a new insurance company that can write high-risk policies. Thankfully, a comparison tool can help you find a new policy even if you’ve been involved in a DUI accident that was determined to be your fault.

  • Your insurance rates will go up after a DUI car accident where you were the impaired driver
  • Your current insurance policy may be cancelled
  • A comparison tool can help you locate a high-risk policy so that you can drive legally from an insurance standpoint

If you are involved in a car accident where you are the impaired driver, you will face legal consequences and consequences from your insurance company. You could even be sued for causing the accident. If your car insurance is cancelled due to a DUI accident, you can quickly find a high-risk insurance policy by using a car insurance comparison tool. Enter your zip code in our FREE tool below to compare car insurance rates now!

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