Does Insurance Cover DUI Accidents?

Question

Most insurance companies check your driving record for DUIs from the past 3 to 5 years. This is the company’s “look-back period.” In many states, this is also as long as a DUI conviction will remain on your record. In others, like California and New York, a DUI stays on your record for 10 years. Florida keeps your DUI on your driving record for 75 years. During this time period, your DUI will show up on background checks by potential employers, landlords, etc. However, your DUI will affect your insurance rates only for as long as your insurance company’s look-back period.… read full answer

If your insurance company looks back five years, for example, a DUI you were convicted of in 2014 will no longer be considered in setting your rates after 2019. Your insurance rates may decrease the next time you renew your policy.

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Answer 1 · 2020-08-31 12:01:05

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@WalletHub 08/31/20 This answer was first published on 08/31/20. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Car insurance companies will cover DUI accidents in most cases. The amount the car insurance company will pay for and the impact the DUI accident has on your premium will depend on the auto insurance company, your specific coverage levels, and your state’s laws.

Some states like, New York and Michigan, explicitly allow insurance companies to exclude DUI from certain policies. These exclusions usually apply to anything beyond liability coverage, which means if you cause a DUI-related accident, your insurance company may refuse to pay for any costs that you incur but will cover injuries and damage you inflict on other drivers and their vehicles, up to the policy’s limit. With that being said, if you cause an accident while under the influence and your insurance company won’t cover your expenses based on a policy exclusion, you’ll want to get a written copy of your policy and make sure that the exclusion applies to your exact situation.

Although insurance companies will usually end up paying for DUI accidents, they might try to deny your claim in certain other situations, too. In general, insurance companies only accept claims for unintentional events, so while they won’t pay if you set your car on fire, for example, you’re covered in the event of a legitimate accident. DUI is generally considered to be an unintentional accident, but your insurance company might argue that by knowingly putting yourself behind the wheel of a car while intoxicated, you intentionally caused the wreck. If they deny your claim as a result, then you’ll need to get a lawyer to fight the decision.

Even if your DUI accident is fully covered by your policy, you’ll almost certainly face repercussions from your insurance company. At the very least, you should expect your insurance premiums to skyrocket as a result of your increased risk. You might also be dropped from your policy entirely, although some states – California and North Carolina, for example – prevent insurance companies from doing that before the policy’s expiration.

Answer 2

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