Does Car Insurance Cover DUI Accidents?

Driving under the influence of alcohol is a big no-no. Not only is it illegal, it can be a deadly decision to make. DUI accidents, or drunk driving accidents, can be some of the most devastating accidents, with far-reaching consequences. But what happens if you’re involved in a DUI accident? Does your car insurance cover the damages?

DUI Accidents and Insurance

In most cases, a standard car insurance policy will cover DUI accidents. Your policy should cover damages to your vehicle and the other person’s vehicle. It should also cover any medical expenses incurred as a result of the accident. It’s important to note that car insurance companies don’t usually cover the costs of any criminal proceedings resulting from the DUI accident.

The Big Exceptions

There are a few exceptions to the rule of car insurance covering DUI accidents. In some cases, your policy may have an exclusion for DUI accidents. This means that the insurance company will not cover the damages resulting from a DUI accident. If you have an exclusion in your policy, it’s important to know and understand it before you get behind the wheel.

Other Factors to Consider

In addition to insurance exclusions, there are a few other factors to consider when it comes to car insurance and DUI accidents. If you’re involved in a DUI accident, your insurance company may raise your rates. This is because you are now considered a high-risk driver. You may also find yourself in a position where your insurance company decides to drop your coverage. This can be a devastating blow, since it’s difficult to find car insurance after you’ve been dropped.

Know Your Policy

If you’re ever in a DUI accident, it’s important to know your car insurance policy. Make sure you understand what is and isn’t covered in the event of a DUI accident. You should also know if there are any exclusions in your policy that could void your coverage. Knowing your policy can help you avoid any surprises if you ever find yourself in a DUI accident.

The Bottom Line

DUI accidents can be devastating, and the consequences can be far-reaching. In most cases, car insurance will cover the damages resulting from a DUI accident. However, there are some exceptions, so it’s important to know and understand your policy. If you’re ever involved in a DUI accident, it’s important to know what your insurance covers so that you can take the necessary steps to protect yourself.