Does Insurance Know About Interlock

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Post on Nov 13, 2024

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Does Your Insurance Company Know About Your Interlock?

If you're driving with an ignition interlock device (IID), you might be wondering if your insurance company is aware. The answer is not always. While some insurance companies may require you to disclose the device, others might not even ask.

Why is it important to tell your insurance company?

• Potential Rate Reductions: In some cases, having an interlock device installed can actually lower your insurance premiums. This is because the device helps to reduce your risk of driving under the influence (DUI), which can be a major factor in insurance rates.
• Avoiding Policy Cancellation: If you're required to have an IID as a condition of your license and fail to disclose it, your insurance company might discover the device during an accident investigation or routine check. This could lead to your policy being canceled.
• Accurate Coverage: Failing to disclose the device could impact the coverage you receive in the event of an accident. The insurer might argue that you withheld critical information, potentially leading to a dispute.

How to determine if you need to disclose your interlock:

• Contact your insurance company directly: This is the most reliable way to find out. Ask them if they require you to disclose the presence of an interlock device and what the impact might be on your policy.
• Review your policy: Read through your insurance policy documentation carefully. It might mention requirements regarding DUI convictions or interlock devices.

What to do if you need to disclose your interlock:

• Be transparent and honest: Inform your insurance company about the device and the reason for its installation.
• Provide relevant documentation: If you have a court order or other official documentation related to the interlock device, provide copies to your insurer.
• Be prepared for potential changes: Be aware that your insurance rates might change, but you should also be prepared for the potential of a rate reduction due to the reduced risk you represent.

Remember, every insurance company has its own policies and procedures. By contacting your provider directly, you'll ensure that you're fully compliant and avoid potential problems later on.

Proactive communication with your insurance company is key to ensuring you have the right coverage and are protected in case of any unforeseen events.