Does Insurance Cover Dui Wrecks

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Post on Nov 26, 2024

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Does Insurance Cover DUI Wrecks? A Comprehensive Guide

Getting behind the wheel under the influence of alcohol or drugs is a serious offense with potentially devastating consequences. One major concern for those involved in a DUI (Driving Under the Influence) wreck is insurance coverage. The short answer is: it depends. While your insurance might cover some aspects of a DUI wreck, it's unlikely to cover everything, and you'll likely face significant penalties. Let's break down the complexities of insurance coverage in DUI accidents.

What Your Insurance Might Cover (and What It Probably Won't)

Your insurance policy, specifically your liability coverage, might cover damages to other people's property or injuries sustained by other people in an accident you caused while driving under the influence. However, this is far from guaranteed. Here's a detailed breakdown:

Property Damage to Others:

• Potential Coverage: Liability coverage is designed to protect others from your negligence. If you cause damage to another person's vehicle or property while DUI, your liability coverage could pay for the repairs or replacement.
• Important Caveat: Your insurance company will likely investigate the accident thoroughly. A DUI conviction significantly increases the likelihood of your insurer denying coverage or significantly increasing your premiums. They may argue that your actions were intentional and therefore not covered under the policy.

Bodily Injury to Others:

• Potential Coverage: Similar to property damage, your liability coverage might cover medical bills, lost wages, and pain and suffering for those injured in the accident caused by your DUI.
• Important Caveat: Again, a DUI conviction severely impacts your claim. Insurance companies usually have clauses allowing them to deny coverage for intentional acts, and a DUI is often considered such an act. You could face a lawsuit regardless of insurance coverage.

Your Own Damages:

• Unlikely Coverage: This is where things get tricky. Your collision and comprehensive coverage generally won't cover damages to your own vehicle if you were driving under the influence. Many policies explicitly exclude coverage for damages resulting from driving while intoxicated.
• Exceptions: Some policies might offer limited coverage depending on the specifics of the policy and the state laws, but this is rare and highly unlikely.

The Penalties You Will Likely Face

Regardless of whether your insurance covers the damages, a DUI conviction leads to several significant penalties:

• Increased Insurance Premiums: Expect a dramatic increase in your car insurance rates, potentially making your premiums unaffordable. This increase can last for several years, even after your DUI is off your record.
• License Suspension or Revocation: Your driving license will almost certainly be suspended or revoked, leaving you without the ability to drive legally.
• Legal Fees and Fines: You'll face substantial legal fees to defend against the DUI charges, along with significant fines imposed by the court.
• Jail Time: Depending on the severity of the offense and your driving record, you could face jail time.
• SR-22 Insurance Requirement: Many states require high-risk drivers convicted of a DUI to obtain SR-22 insurance, a certificate of insurance proving financial responsibility. This type of insurance is usually much more expensive than standard coverage.

What to Do After a DUI Accident

If you've been involved in a DUI accident, follow these steps immediately:

1. Seek Medical Attention: Prioritize your health and the health of anyone else involved.
2. Call the Police: Even if you believe the damage is minimal, it's crucial to report the accident to the authorities.
3. Contact Your Insurance Company: Report the accident to your insurer immediately, providing as much detail as possible. Be prepared for a thorough investigation.
4. Consult with a Lawyer: An experienced DUI attorney can advise you on your legal rights and options, and help you navigate the complexities of insurance claims and legal proceedings.

Key Takeaways

Driving under the influence is a reckless and dangerous act with significant legal and financial repercussions. While your insurance might cover some aspects of damages to others, it's highly unlikely to cover your own damages. The penalties associated with a DUI far outweigh any potential insurance coverage. The best way to avoid these problems is to never drive under the influence of alcohol or drugs.

Disclaimer: This information is for general knowledge purposes only and does not constitute legal or insurance advice. Consult with qualified professionals for advice tailored to your specific circumstances.