{"id":2954,"date":"2024-10-08T12:38:39","date_gmt":"2024-10-08T16:38:39","guid":{"rendered":"https:\/\/ikon-insurance.com\/insurance-and-driving-while-intoxicated\/"},"modified":"2025-01-13T12:50:56","modified_gmt":"2025-01-13T17:50:56","slug":"insurance-and-driving-while-intoxicated","status":"publish","type":"post","link":"https:\/\/ikon-insurance.com\/en\/insurance-and-driving-while-intoxicated\/","title":{"rendered":"Does Car Insurance cover Drunk and Drunk Driving?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2954\" class=\"elementor elementor-2954 elementor-2447\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8b1b49a e-flex e-con-boxed e-con e-parent\" data-id=\"8b1b49a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6f9bd2c elementor-widget elementor-widget-heading\" data-id=\"6f9bd2c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Does car insurance in the United States cover a crash if I was drunk?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-200d224 elementor-widget elementor-widget-text-editor\" data-id=\"200d224\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Driving under the influence of alcohol is illegal and extremely dangerous in every state in the United States. Despite the clear risks, one question that often arises is: Will car insurance cover damages if you were involved in an accident while driving drunk? The answer, as in many cases involving insurance policies, is complicated and depends on several factors.  <\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-245cd81 elementor-widget elementor-widget-heading\" data-id=\"245cd81\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What does the law say?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-30bceb4 elementor-widget elementor-widget-text-editor\" data-id=\"30bceb4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>First, it is important to understand that driving under the influence (DUI) or drunk driving is a serious violation of the law in any state. Legal consequences can include fines, license suspension, arrest, and even jail time. In addition to the legal penalties, this violation also has consequences on your car insurance.  <\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf1a28b elementor-widget elementor-widget-heading\" data-id=\"cf1a28b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Coverage of a car insurance when driving under the influence of alcohol<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff60d23 elementor-widget elementor-widget-text-editor\" data-id=\"ff60d23\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In most cases, your insurer <strong>will<\/strong> cover the damages caused in a drunk driving accident, but this does not mean that you will come out financially or legally unscathed. Here&#8217;s how coverage works in this type of accident: <\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e61a2c6 elementor-widget elementor-widget-heading\" data-id=\"e61a2c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">1. Liability coverage:  <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c93d003 elementor-widget elementor-widget-text-editor\" data-id=\"c93d003\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This part of your insurance covers damages you cause to others, including vehicle repairs and medical bills. In general, even if you caused a drunk driving accident, your insurer is obligated to cover damages to others. However, this may vary depending on the type of policy and state in which you reside.  <\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e32f7d2 elementor-widget elementor-widget-heading\" data-id=\"e32f7d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">2. Coverage for damage to your own vehicle (Full Cover):<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5cd34b5 elementor-widget elementor-widget-text-editor\" data-id=\"5cd34b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you have coverage for damage to your own vehicle, the insurer <strong>may cover<\/strong> damage to your car, even if you were drunk. However, this is not always guaranteed, as some insurance companies include specific exclusions in DUI cases. <\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a228c4e elementor-widget elementor-widget-heading\" data-id=\"a228c4e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What happens to your car insurance after the accident?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11322a0 elementor-widget elementor-widget-text-editor\" data-id=\"11322a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Even if a car insurance covers the damages of the accident, the long-term consequences are serious:<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0b1e20 elementor-widget elementor-widget-heading\" data-id=\"f0b1e20\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Increase in the value of the insurance:  <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21f03ef elementor-widget elementor-widget-text-editor\" data-id=\"21f03ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>After a DUI-related accident, your insurer will almost always increase the value significantly. In addition, you could be classified as a high-risk driver, making it difficult for you to obtain affordable coverage in the future. <\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26297b5 elementor-widget elementor-widget-heading\" data-id=\"26297b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Cancellation or non-renewal of the policy:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bcf806d elementor-widget elementor-widget-text-editor\" data-id=\"bcf806d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Many insurance companies will cancel the policy of a customer who has been involved in a drunk driving accident. If they do not cancel you immediately, it is very likely that they will not renew your policy when the time comes. <\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-616dec1 elementor-widget elementor-widget-heading\" data-id=\"616dec1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Limited coverage<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-37435aa elementor-widget elementor-widget-text-editor\" data-id=\"37435aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you continue to have a policy after a DUI accident, your coverage options are likely to be limited, which means you could be paying more for less protection.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f56fb18 elementor-widget elementor-widget-heading\" data-id=\"f56fb18\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Reasons why car insurance may not cover an accident<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dd2a670 elementor-widget elementor-widget-text-editor\" data-id=\"dd2a670\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>There are cases where the insurer may <strong>refuse to<\/strong> cover any accident-related damages. This could happen if: <\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e250d0 elementor-widget elementor-widget-heading\" data-id=\"6e250d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">The policy has an explicit exclusion for DUI.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d01e261 elementor-widget elementor-widget-text-editor\" data-id=\"d01e261\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Some companies may include clauses that deny coverage in case the accident occurs under the influence of alcohol.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e5541a elementor-widget elementor-widget-heading\" data-id=\"9e5541a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">The accident was intentional<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b903c12 elementor-widget elementor-widget-text-editor\" data-id=\"b903c12\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If the company determines that the accident was intentionally caused, they may deny coverage.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-83ddf28 elementor-widget elementor-widget-heading\" data-id=\"83ddf28\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">You did not report the DUI previously<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ab4cbf6 elementor-widget elementor-widget-text-editor\" data-id=\"ab4cbf6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If the insurer discovers that you did not report a prior DUI when you took out the policy, they may cancel the coverage and deny the claim.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b923bde elementor-widget elementor-widget-heading\" data-id=\"b923bde\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What happens if your insurance company does not cover the accident?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8798f27 elementor-widget elementor-widget-text-editor\" data-id=\"8798f27\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If your insurer decides not to cover the accident, the consequences can be devastating:<\/p>\n<ul>\n<li>You will have to pay for <strong>all damages out of pocket<\/strong>, which may include vehicle repairs, medical bills and property damage.<\/li>\n<li>In some cases, you could face <strong>fines, license suspension<\/strong> or even jail time, depending on state laws.<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-032eb05 elementor-widget elementor-widget-heading\" data-id=\"032eb05\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Additional legal consequences<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19f5ec5 elementor-widget elementor-widget-text-editor\" data-id=\"19f5ec5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Not only will you face problems with your insurance company if you were driving drunk, but you could also face problems:<\/p>\n<ul>\n<li><strong>Criminal charges<\/strong>: If the accident resulted in serious injury or death, the criminal consequences may be even more severe.<\/li>\n<li><strong>Civil lawsuits<\/strong>: The people affected by the accident could sue you for additional damages not covered by your insurance.<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e25d113 elementor-widget elementor-widget-heading\" data-id=\"e25d113\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">DUI and Insurance SR-22<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-84530c1 elementor-widget elementor-widget-text-editor\" data-id=\"84530c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you are arrested for DUI, in most states you will be required to present an <strong>SR-22<\/strong>, a certificate proving that you have the minimum amount of liability coverage. This is not a type of insurance, but it is proof that you maintain adequate coverage. Insurers often charge much higher rates for drivers who require an SR-22.  <\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Driving under the influence of alcohol is illegal and extremely dangerous in every state in the United States. Despite the clear risks, one question that often arises is: Will car insurance cover damages if you were involved in an accident while driving drunk? <\/p>\n","protected":false},"author":1,"featured_media":3020,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[45],"tags":[],"class_list":["post-2954","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Does Car Insurance cover Drunk and Drunk Driving? - Ikon Insurance<\/title>\n<meta name=\"description\" content=\"Find out if your car insurance covers damages after a drunk driving accident. 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