Drunk Driving and Car Insurance
 

So my idiot friend got a DUI this weekend, slammed his 2002 Jeep Grand Cherokee Limited 4x4 into 3 parked cars at about 50mph (destroyed the Jeep) and got a DUI and spent the night in jail, now my question, I swear Car Insurance did not cover DUI Accidents, is this true or am I just crazy?

I suspect you are correct!

As they shouldn't!

Agreed, but does anyone know for sure?

I can't imagine any insurance company would pay when their client is convicted of DUI. Why don't you simply call them and ask?

I am thinking the opposite.

I am guessing the insurance company has a legal responsibility to cover the damage in the same way if someone did something else illegal, say for example, speeding, running a red light, etc.

Now, I am guessing the insurance company will probably drop the DUI person from the policy, but maybe not...

They make so much money (the insurance companies) that they often make more from people with bad records. So it's in their financial interest to jack up the rates.

Again..I am just guessing though. Never been convicted of a DUI.

B

I agree with B-line. I believe the insurance company is responsible for covering the insured even in the case of a DUI. However, whether or not the insurance company continues to cover the client is another question ;)

Insurance coverage is NOT voided by DUI. Although we all might want to say it should be, just think about the others who would be left unpaid if the insurance didn't pay up --other drivers, hospital, doctors, ambulance services, property owners, and then taxpayers if the person ended up on welfare because he didn't get treatment for injuries.

Makes perfect sense:thumbup:

Agree with StatDoc and B-Line: ins. should cover what
they would cover under "regular" circumstances.

No idea of Cali law/impact, but in NJ/NY, a DUI is a very
expensive process: lawyer, court, fines, loss of license
for 6 months, points on record and then...the search
for car insurance which will be really expensive.

NJ had a surcharge on top of whatever one had to
pay after finding an ins. co. that bent you over.

I had 2 guys that worked for me, that went through
this: a tough and expensive lesson, but there is
absolfookinlutely zero reason or excuse to drive
past .06 or .08 alcohol, imo. Cabs, buses, car service,
friends, walking...etc.

GL, mD