Does Full Coverage Insurance Cover DUI Accidents?

Driving under the influence is a serious crime that has the potential to cause serious consequences. Unfortunately, even if you have full coverage insurance, it may not cover you if you are in an accident due to driving under the influence. It is important to understand exactly what full coverage insurance does and does not cover so that you can make an informed decision about your coverage.

What is Full Coverage Insurance?

Full coverage insurance is a type of insurance that covers both liability and collision. Liability insurance covers the costs associated with any damage or injuries that you cause in an accident. This could include medical bills and property damage. Collision insurance covers the costs associated with repairs to your car if you are in an accident. It is important to note that full coverage insurance does not cover any damage or injuries caused by you if you are driving under the influence.

What Will Your Insurance Company Do if You Are in an Accident Due to DUI?

If you are in an accident due to driving under the influence, your insurance company may deny any claims that you make. This is because driving under the influence is illegal and is considered an act of negligence. In addition, your insurance company may cancel your policy or refuse to renew it. In some states, insurance companies may also require you to pay an additional fee for any damages that you cause in an accident due to driving under the influence.

What Can You Do to Avoid Being Caught Driving Under the Influence?

The best way to avoid being caught driving under the influence is to plan ahead. If you know that you will be drinking, make sure to plan for a designated driver or take public transportation. If you are caught driving under the influence, you could face serious legal consequences, such as jail time and fines. You could also lose your license and have to pay higher insurance premiums.

Conclusion

It is important to understand that full coverage insurance does not cover any damage or injuries caused by you if you are driving under the influence. If you are caught driving under the influence, you could face serious legal consequences, as well as losing your license and having to pay higher insurance premiums. The best way to avoid being caught driving under the influence is to plan ahead and make sure that you have a designated driver or take public transportation.