Will car insurance cover DUI accidents?

One DUI can increase your car insurance rates by $137.75/mo. If your insurer doesn't cover high-risk clients, they may drop you altogether.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 15, 2020

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Here's what you need to know...

  • Driving drunk and getting into a car accident almost always means you will be considered the driver who caused the accident
  • Being involved in a DUI accident could result in the cancellation of your car insurance
  • A comparison tool can help you find a high-risk insurance policy

If you are in a DUI car accident, it depends on whether or not you were the impaired driver and your insurance policy. If you were the impaired driver, your insurance provider will probably determine that the accident was your fault and it may be difficult to get insurance after being convicted of a DUI.

Depending on your insurance company and your insurance policy, your accident-related expenses may or may not be covered. If you were not the impaired driver, the other driver’s insurance should cover your accident-related expenses.

If you are uncertain as to whether or not your insurance policy would cover in the event of a DUI accident, you can compare new policies with an insurance comparison tool.

Compare car insurance rates now by using our FREE tool! Enter your zip code above to get started!

DUI Accidents

According to the CDC, 10,076 people were killed in DUI-related crashes in 2013.

It goes without saying that even more people are injured in drunk driving related crashes.

For the impaired driver, this can result in civil and criminal penalties.

According to Find Law, most states allow for felony charges against any driver found to cause bodily harm while driving under the influence.

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DUI Accidents and At-Fault Liability

Determining which insurance company pays for the damages caused by the accident depends on which driver was at fault and your state’s particular insurance laws.

If you were found to be under the influence of drugs or alcohol at the time of the accident, you will most likely be considered the cause of the auto accident.

Some states have a no-fault system. The Alabama Department of Insurance explains that in a no-fault state, each driver must file a claim with their car insurance provider, and the individual’s insurance company pays for the accident-related expenses.

However, living in a no-fault state does not entirely preclude you from being sued.

Usually, those exceptions state that you can be sued if you cause grievous bodily harm to another individual, and you were obviously the driver that caused the accident.

When the state does not have no-fault laws, the insurance companies must determine who caused the accident.

This is because the driver’s insurance company will be responsible for paying for damages and injuries that were caused by the accident.

If you are determined to be the driver that caused the auto accident, because your blood alcohol levels were higher than legally allowed, your insurance company may or may not pay your expenses.

It depends on your specific insurance policy and the policies of your insurance company.

Car Accidents and Your Car Insurance

When you get into a car accident under normal circumstances, your at-fault status and car insurance policy will determine who pays for the damage to your car and your medical bills.

Since most states, like Indiana, only require liability insurance, you may only have a liability policy.

In this instance, your insurance would not pay for your car repairs if you got into a car accident, and you were under the influence of alcohol.

Collision insurance, as described by the DIFS in Michigan, pays for your accident-related expenses regardless of who was at-fault.

This means that your medical bills will be paid up to your insurance limits and your car will be repaired or replaced.

DUI and Your Car Insurance

If you are convicted of driving under the influence of alcohol and causing a car accident, it will affect your car insurance rates and could lead to the cancellation of your policy because you will immediately be considered a high-risk driver.

In this instance, you may welcome higher rates over being canceled. This means that your insurance company can write high-risk policies.

If your insurance company cannot write high-risk policies, you will be canceled, and you will need to find a new insurance company that can write high-risk policies.

If you are involved in a car accident where you are the impaired driver, you will face legal consequences. A DUI can even affect your life insurance rates!

You could even be sued for causing the accident. If your car insurance is canceled due to a DUI accident, you can quickly find a high-risk insurance policy by using a car insurance comparison tool.

Don’t wait any longer! Enter your zip code in our FREE tool below to compare car insurance rates now!

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