Comments on: Will auto insurance cover my DUI wreck? http://www.thecarinsurance.net/will-auto-insurance-cover-my-dui-wreck.html car insurance Wed, 18 Jan 2012 20:13:58 +0000 hourly 1 http://wordpress.org/?v=3.0 By: gemrtz56 http://www.thecarinsurance.net/will-auto-insurance-cover-my-dui-wreck.html/comment-page-1#comment-4059 gemrtz56 Fri, 12 Mar 2010 08:43:14 +0000 http://www.thecarinsurance.net/will-auto-insurance-cover-my-dui-wreck.html#comment-4059 In this case if you have FULL coverage (damage to vehicle covered too as well as physical damage to victims) there should be no problem with making the claim since the report said you were not at fault for the situation in the traffic. In this case if you have FULL coverage (damage to vehicle covered too as well as physical damage to victims) there should be no problem with making the claim since the report said you were not at fault for the situation in the traffic.

]]> By: Nate W http://www.thecarinsurance.net/will-auto-insurance-cover-my-dui-wreck.html/comment-page-1#comment-4058 Nate W Fri, 12 Mar 2010 08:21:48 +0000 http://www.thecarinsurance.net/will-auto-insurance-cover-my-dui-wreck.html#comment-4058 It depends on your insurance company. Some "higher risk" policies have stipulations stating they will not cover claims where the driver was under the influence of drugs or alcohol. Most policies however will pay the claim. Just expect a hefty increase on your next renewal. It depends on your insurance company. Some “higher risk” policies have stipulations stating they will not cover claims where the driver was under the influence of drugs or alcohol. Most policies however will pay the claim. Just expect a hefty increase on your next renewal.

]]> By: mbrcatz17 http://www.thecarinsurance.net/will-auto-insurance-cover-my-dui-wreck.html/comment-page-1#comment-4057 mbrcatz17 Fri, 12 Mar 2010 07:39:06 +0000 http://www.thecarinsurance.net/will-auto-insurance-cover-my-dui-wreck.html#comment-4057 Not cited does not mean you're not at fault. In some states, the "standard of being at fault" includes just the fact that you're DUI. Yes, you're at fault for this - you hit a stationary object in the road (another car). Technically, and every other way. Sorry. Your insurance should pay for the claim, assuming this is your policy and you are listed as a driver, unless you have an OUI exclusion on your policy. This is NOT a common exclusion in the US, so I'd be VERY surprised if you have this exclusion on your policy. Keep in mind, your policy will only pay up to the policy limit. Hopefully, you have more than minimum limits, or you could still end up writing a check on this. Then expect to get a surcharge on your policy for both an at fault accident, AND a dui. Not cited does not mean you’re not at fault. In some states, the “standard of being at fault” includes just the fact that you’re DUI.

Yes, you’re at fault for this – you hit a stationary object in the road (another car). Technically, and every other way. Sorry.

Your insurance should pay for the claim, assuming this is your policy and you are listed as a driver, unless you have an OUI exclusion on your policy. This is NOT a common exclusion in the US, so I’d be VERY surprised if you have this exclusion on your policy.

Keep in mind, your policy will only pay up to the policy limit. Hopefully, you have more than minimum limits, or you could still end up writing a check on this.

Then expect to get a surcharge on your policy for both an at fault accident, AND a dui.

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