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Does Car Insurance Cover DUI Accidents?

Whether or not your car insurance company will cover for a car totaled in a driving under the influence (DUI) accident depends on your policy agreement. While driving under the influence is never recommended, let’s understand how auto insurance for a DUI accident will work!
Does Car Insurance Cover DUI Accidents
Does Car Insurance Cover DUI Accidents?
A car insurer may or may not cover accidents caused while Driving Under the Influence. In some circumstances, a company may even take its hands off the liability and refuse to pay for the damages. Let's understand how car insurance works if you meet with a DUI accident.
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Does car insurance cover DUI accidents? Driving under the influence is never recommended. As a result, a car insurer may or may not cover accidents caused while Driving Under the Influence.

In some circumstances, a company may even take its hands off the liability and refuse to pay for the damages, and the solution may depend on which state you live in.

Many states offer coverage for damage to another person’s car impacted by a DUI accident. Beem offers a one-stop solution to help you compare all major auto insurance options and find the best match according to your insurance needs.

Which Type of Car Insurance Covers DUI Accidents?

One type of car insurance covers DUI accidents called “liability” insurance. This insurance helps out drivers who mess up or drive poorly, even if they cause a crash.

The amount of inadequate driving elements covered by your insurance can differ. If your DUI accident is considered a mistake, your insurance company might pay for it.

But, keep in mind that insurance policies don’t cover damages caused on purpose, hence, to save themselves, some insurance companies might say that your DUI is done on purpose.

Also Read: Does Insurance Cover Car Seat Replacement After Accident?

Can I Get an Insurance Coverage After a DUI?

Whether or not your insurance company will cover your DUI accident depends totally on the wording of the insurer in the agreement.

However, if you’re at fault in an accident, the liability part of your insurance covers the other driver’s expenses and losses, like the cost of their wrecked car. Your insurance will also pay for your car if it’s totaled, but this might lead to higher insurance rates.

Also Read: Does Car Insurance Follow the Car or the Driver

Are DUI Accidents Covered Under Liability Insurance?

Liability insurance for your car is critical. If you’re ever responsible for an accident, this insurance helps pay for the damages.

It also covers legal costs if someone sues you over the accident. Liability coverage comes in various types, each with its limits.

These limits are designed to cover expenses such as medical bills, lost wages, and property damage resulting from an accident that you caused. It is mandatory in most states to have this type of insurance, so it is crucial to determine the appropriate amount of coverage you require.

Also Read: Does Car Insurance Cover Fire Damage?

Will My Insurance Rates Increase After a DUI Accident?

Your insurance rates will likely increase after a DUI accident because DUI is considered high-risk behavior. If you’re sued for a DUI, and your insurance company becomes aware, your insurance rates may increase to a great extent. 

How Long Will a DUI Affect My Insurance Rates?

The impact of a DUI on insurance rates varies, lasting from 3 to 10 years, based on the driver’s state and insurance provider. Insurance companies usually assess driving records throughout 3 to 5 years, some may extend this period to seven years.

Despite not causing an immediate and significant surge in insurance rates, a DUI can affect your overall insurance costs. Being classified as a high-risk driver during this period can increase premiums. 

Also Read: Does Car Insurance Cover Non-Accident Repairs?

Can I Appeal a Rate Increase After a DUI Accident?

Appealing a rate increase after a DUI accident is possible but the acceptance is not guaranteed. You can contact your insurer or insurance company, give them relevant details or information, and even inquire about the offers or discounts.

Still, often, the insurer responds differently than we want them to, as a DUI accident is considered a very high-risk factor.

Also Read: Does Getting Your Car Towed Affect Your Insurance?

Conclusion

A DUI accident damages may or may not be covered by your insurance company. Therefore, researching and navigating for a company that offers DUI accident coverage is crucial.

Once your company knows that your accident was intentional, you might face an increase in your insurance premium rates. While you can try appealing a rate increase, success is only sometimes guaranteed. It’s crucial to drive responsibly to avoid these challenges.

Check out Beem to find the best auto insurance coverage for your car and save hundreds of dollars every year with impressive discounts.

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Author

Picture of Aniket Kulkarni

Aniket Kulkarni

A seasoned Product Manager specializing in car insurance content, Aniket has a passion for simplifying complex insurance concepts. His strategic approach to content development reflects years of experience in the product development industry, coupled with a commitment to providing accurate, reliable information.

Editor

This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

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