Will Your Car Insurance Cover a DUI Accident?

What your auto insurance will cover when it comes to a DUI accident.

If you drink and drive, you are putting yourself and everyone else on the road at risk.  If you were to get into an accident while under the influence, then you will be held liable for the injuries and damages resulting from the crash.  Many drivers who find themselves in this scenario wonder what their auto insurance will cover when it comes to a DUI accident.  Read on to find out how your car coverage has your back.

DUIs are Covered Claims

For the most part, your insurer will not deny you coverage for a DUI-related accident.  While the injuries and damage that you have caused could have been avoided, the outcomes were still unintentional.  Because you did not intend to harm anyone, your insurer will still offer coverage for you and the involved parties.  Please keep in mind that your insurance will only cover you up to your policy’s limits.  If the cost of the accident exceeds your policy’s coverage limits, then you will have to pay for the remaining costs out of your own pocket.

Insurance Following a DUI

While your insurer will likely cover the costs of a DUI accident, they will probably drop you from coverage shortly after.  To secure the coverage that you need to get back on the road, you will have to file an FR44 form with the state and secure new high-risk auto coverage.  Expect your new policy will be at least two to three times what you were paying for coverage before.

This is what your auto insurance will cover when it comes to a DUI accident.  Do you have additional questions regarding your car coverage after a DUI?  If so, then do not hesitate to contact the experts at Staybull Insurance.  We are ready to assist you with your FR44 filing today.

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