Insurance Coverage for DUI Accidents

I just had an accident in which I totaled my car, and I was also ticketed with a DUI violation. Will my insurance company still cover the accident even though I was under the influence?

Answer

Most policies would cover the loss, but some insurers include provisions in their policies that exempt them from covering you if you are under the influence at the time of the accident. You should read through your policy or contact your agent for more information. Car insurance covers negligence, which means your policy should pay for the property damage and/or personal injuries you caused as well. The issue gets thorny when it comes to your liability protection. If you are sued and the other party accuses you of reckless behavior, that is probably not covered by your policy. However, if the party sues you and claims negligence, that will likely be covered. This is a complicated area of the law and not something you want to face on your own. You should contact an accident attorney as soon as possible for more information.