Does Insurance Cover Dui Accidents
Does Insurance Cover DUI Accidents?
What is a DUI?
DUI stands for “driving under the influence” and refers to a situation in which a person is caught driving a vehicle while under the influence of drugs or alcohol. A DUI can be a serious offense, as it can lead to dangerous accidents and even fatalities. As such, it is important to know whether or not your insurance will cover any DUI-related accidents.
What Types of Coverage Are Available?
When it comes to DUI-related accidents, there are two main types of coverage available: liability and comprehensive. Liability coverage will only cover the costs of any damage that you cause to another person or property. Comprehensive coverage, on the other hand, will cover the costs of any damage to your vehicle, regardless of who caused the accident. It’s important to understand the difference between these two types of coverages, as they can have a big impact on the amount of money you end up paying.
Do Insurance Companies Cover DUI Accidents?
Most insurance companies will cover accidents related to DUI, as long as you have the right type of coverage. However, it’s important to note that your rates may be higher if you are convicted of a DUI. In addition, some companies may even refuse to cover you if you are found to be at fault for a DUI-related accident. As such, it’s important to check with your insurance provider before you get behind the wheel after drinking.
What Else Should I Know?
It’s also important to remember that your insurance company may not cover all of the costs associated with a DUI-related accident. For example, if you are found to be at fault for the accident, you may be required to pay for the costs of any medical bills, property damage, and legal fees associated with the accident. Additionally, you may be required to pay a higher deductible if you are found to be at fault.
Can I Get Discounts on My Insurance?
Yes, you may be able to get discounts on your insurance if you are convicted of a DUI. Many insurance companies offer discounts to drivers who have taken a defensive driving course or taken part in an alcohol education program. Additionally, some insurance companies may also offer discounts to drivers who have maintained a clean driving record for a certain period of time.
Conclusion
In conclusion, it is important to know whether or not your insurance will cover any DUI-related accidents. Most insurance companies will cover these types of accidents, as long as you have the right type of coverage. However, it’s important to note that your rates may be higher if you are convicted of a DUI and some companies may even refuse to cover you if you are found to be at fault for the accident. Additionally, you may be required to pay for certain costs associated with the accident, even if your insurance company does cover it. Finally, you may be able to get discounts on your insurance if you have taken a defensive driving course or taken part in an alcohol education program.
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