Getting into a car accident is already stressful, but adding a DUI to the situation can make it significantly more complicated. One common question drivers in Idaho ask after such incidents is whether their insurance will cover the damages. The answer isn’t always straightforward, but understanding your policy’s coverage is crucial. Selkirk Insurance Services, serving Sandpoint, ID, can provide valuable guidance on this matter.
Your Liability Coverage May Still Apply
If you were at fault in the accident and caused injury to someone else or damaged their property, your liability insurance might still cover their losses. Idaho law requires all drivers to carry liability insurance, and most policies do not exclude DUI-related accidents from basic liability coverage. This means the individuals you harmed may still be compensated through your insurance policy.
Your Own Damages Might Not Be Covered
Things become more complicated when it comes to your own vehicle. If you have collision coverage, it typically pays for repairs to your car—unless your policy specifically excludes DUI-related claims. Some insurers may deny payment if the accident occurred while you were under the influence, especially if the DUI resulted in criminal charges or a license suspension.
You Could Face Additional Consequences
A DUI can lead to more than just a denial of coverage. You may experience higher premiums, reduced coverage options, or even policy cancellation when it’s time for renewal. Additionally, future insurers may classify you as high-risk, making it harder to find affordable coverage.
Understand Your Policy Before Trouble Arises
Every insurance policy is unique, and the fine print matters. If you’re unsure about what your policy covers, your local Idaho insurance agent at Selkirk Insurance Services, serving Sandpoint, ID, can help clarify your options. Being informed can help you stay protected, even in unexpected situations.
