Will auto insurance pay for a car accident while DUI or DWI?
Damages that occurs to your vehicle may or may not be covered by your insurance policy if you were driving under the influence or driving while intoxicated. This depends on the type of insurance you have and the nature of the policy.
If you have liability insurance, your insurance carrier will cover damages that occur to the other party. This applies even if you are receiving a DUI or DWI conviction. Liability insurance only applies to the other driver in a car accident that is deemed to be your fault. This is for your protection and prevents you from having to cover medical expenses and property damage for the other driver involved.
Even if the accident occurs while you are breaking the law under the influence of alcohol, liability coverage exists to protect you. You will have your own expenses and court costs related to the DUI or DWI that will not be covered by your insurance. These costs are related to the law that was broken.
The liability coverage still stands in place despite the fact that it occurred under the influence. As a high-risk driver, you will have more systems in place to make sure you have at least the minimum required liability insurance in case another incident were to happen.
Since liability insurance does not apply to your own vehicle or medical expenses, nothing will be covered under any circumstance. Liability insurance is generally the bare minimum that state auto insurance laws require for insurance coverage. For your own protection and peace of mind, it may be recommended that you get full coverage with collision and comprehensive. Drunk driving accidents still may not be completely covered, depending on your individual policy.
Will my insurance company cover damages if I have collision and comprehensive?
This depends on your insurance carrier. There are some companies that will definitely cover the damages to you and the other driver in the event of a DUI or DWI related accident. There are insurance policies that will include a clause excluding them from responsibility in the event that you are DUI or DWI.
You will want to look close at your insurance policy to see if a clause for drunken driving exists. You may also want to call your insurance agent to find out in more detail if there will be any issues in filing an auto insurance claim. Finding the best full coverage insurance for DUI can be difficult!
You will need to have full coverage rather than liability coverage to have damages to your vehicle covered. This will also apply to any medical expenses that occur as a result from bodily injury from the accident. If your insurance policy has a clause about drunken driving, you may have to cover all of these expenses out of pocket.
When searching for auto insurance, this is something that you may want to look into. DUI and DWI are dangerous violations that will cost you financially. From court costs and state fees, the cost often exceeds several thousand dollars. If your insurance policy has a drunken clause, then you may have to pay additional damages to your own vehicle and medical expenses.
Will my insurance company cancel my policy?
The insurance company will not cancel your insurance in the middle of the policy. They do have the ability to end the relationship when it comes time for your policy to renew. A driver that has a DUI or DWI on record is automatically considered a high-risk driver. With this being the case, there is a possibility that your insurance company will choose not to renew your policy.
If this is the case, you will need to find an insurance company that will take on a driver with a DUI or DWI. Depending on the state you live in, you may have to fill out a SR-22 through your insurance company and the department of motor vehicles to get your license back. If this is the case, you will have to find a company that can handle these kinds of policies.
The best place to start looking is for companies that specialize in non-standard insurance. These companies are able to offer insurance products to high risk drivers when standard insurance carriers will turn them away. Even if you are approved for standard auto insurance, the best auto insurance rates may be with the non-standard insurance provider. They are more experienced and qualified with insuring high-risk drivers.