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Do Car Insurance Companies Cover DUI Accidents?

When asked if their car insurance will cover a DUI accident, many drivers are surprised to learn that the answer depends on the specifics of their policy. When insurers deny coverage, they often cite exceptions in the policy wording.

Several states have attempted to change this by mandating that insurers must always pay for accidents caused by drunk drivers. But even in those states, insurers may deny coverage if they can prove that the driver was negligent or otherwise at fault. Do car insurance companies cover DUI accidents? Let’s take a deeper dive into the specifics. Then reach out to a car accident lawyer near you for more customized help.

Exceptions to the Applicable Laws

It may be alarming to find out that your policy may be void if you were under the influence. The same holds true even if you were charged but not convicted or pleaded down to a lesser charge. 

For example, if you were charged with driving under the influence of alcohol or drugs, but pleaded guilty only to reckless driving or some other lesser charge, then your insurance company may not cover any damages resulting from that accident.

If you’re injured in a wreck in Florida, you’ll have to rely on your own insurance first because of the state’s no-fault insurance laws. This creates problems because liability limits often are not adequate to cover damages in many cases. That’s why so many Florida DUI accident victims decide to file a claim with the at-fault driver’s insurer or to sue when they’re hit by a drunk driver.

So basically, it’s true that if you are injured in an accident where someone else is at fault, then your car insurance company will likely cover any medical bills and other monetary losses related to your injuries. But there are two important exceptions. 

Number one, if you are injured because of an illegal activity that you committed, then your insurer may deny all coverage because of that illegal activity; and number two, if there are injuries resulting from drunk driving and someone else is convicted, coverage may be denied.

Underinsured and uninsured motorist coverages also come into play with a DUI accident claim. The insurance provider may deny payment because of a lack of proper coverage on your part. 

What is the best car insurance for those hoping to secure damages from a DUI accident? That’s hard to say. Even if you think you have good car insurance, you may find yourself at a loss.

Talk to a DUI Attorney About Getting Compensation

As with any type of car accident, a DUI accident claim can be complicated and confusing. Some cases confound even the best car accident lawyers in Tampa, but that doesn’t mean you need to give up.

Do car insurance companies cover DUI accidents? You should seek legal help to ensure you receive compensation that covers all damages incurred from the incident. Reach out to Anderson & Anderson at 813-251-0072 to discuss your options, or fill out our convenient online contact form to reach out 24/7.