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Driving under the influence (DUI) is not only illegal but also carries severe consequences for drivers, especially when accidents occur. Beyond legal issues, a common concern is whether auto insurance will still protect you after a DUI-related accident. Let's explore whether auto insurance covers DUI accidents, the consequences of a DUI, how it affects your rates, and other important factors to consider.
Most auto insurance policies provide coverage for DUI accidents, but the extent of coverage will depend on the specific terms of your policy. Typically, if you cause an accident while under the influence, your liability coverage will still pay for the damages and injuries caused to others involved in the accident. However, your insurance company may deny coverage for any damage to your own vehicle if you have collision or comprehensive coverage. It's important to note that while your insurer might cover the initial costs, they may later attempt to recoup those funds by canceling your policy or refusing to renew it after the claim is settled.
Some of the legal consequences include:
From an insurance perspective, the consequences are equally damaging. Your insurer may either drop you entirely or classify you as a high-risk driver. This could make it difficult to find affordable coverage in the future.
A DUI conviction will almost certainly cause your auto insurance rates to skyrocket. Insurance companies view drivers with DUI convictions as high-risk, meaning they are more likely to be involved in future accidents. On average, drivers can expect their rates to increase by 80% to 300%, depending on the state and the insurance company. In some cases, you may also be required to obtain an SR-22, a certificate that proves you have the minimum amount of insurance required by your state. This adds additional costs to your premiums, further increasing your expenses.
Insurance companies typically review your driving record for the last three to five years, though this varies by state and insurer. A DUI can stay on your record for up to 10 years in some states, meaning that it can continue to affect your insurance premiums for a significant period. After the DUI is no longer on your record, your insurance rates may begin to drop, but you'll need to prove to your insurer that you're no longer a high-risk driver.
Gap insurance, which covers the difference between what you owe on your car and its actual cash value if it's totaled, generally does not cover accidents caused by DUI. Since a DUI accident is typically considered a preventable event, insurers may deny coverage for the amount still owed on the vehicle. It's always a good idea to check with your GAP insurance provider to understand their specific terms and exclusions regarding DUI-related incidents.
Dealing with the aftermath of a DUI accident can be financially devastating, but having the right insurance coverage can help protect you from further losses. At Fuller Insurance Agency, we're here to help you navigate the complexities of auto insurance for DUI and ensure you have the right coverage for any situation. Contact us today to discuss your auto insurance needs and learn how we can help you stay protected. Call us at (800) 640-4238 for further assistance. Fill out a form and a team member will reach out within one business day.
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