Car wrecked while getting DUI will insurance pay to be fixed? Needing info on this current situation?

Question

I didn’t hit anything or anyone… But I was drunk and shouldn’t have been driving. I was driving home something happened to my tire where it fell off completely and I was driving on the rim which did a lot of damage to the explore, because I continued to drive on it after tire was gone. I need to get it fixed because its my only vehicle.. but since I was cited with a DUI I’m unsure of how the insurance part will go. I still have a loan for the vehicle, which means I have full coverage…I would just like to know if anyone else has gone through this… What kind of action to take??? What happened to you??? What to expect? How should I handle the insurance part of this situation??

Thanks.

Answer 1

Your Collision coverage will pay for the damage.  Your deductible will apply, and your rates will likely go up.  

You may get a few responses to your post that DUI is illegal, and your insurance will not pay.  That is incorrect information.  There is no exclusion in the policy that denies coverage for DUI.  Running red lights, speeding etc. are also illegal, and the insurance will pay for those losses.  There is no difference.  I have paid out and authorized thousands and thousands of dollars to insureds who have been involved in an accident while DUI.

Answer 2

Ask your insurance agent. They can tell you just what is involved.

Answer 3

Your insurance will pay for the repair, but expect your rates to go sky - high and stay that way for a long time....

Answer 4

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Answer 5

It is possible, but extremely unusual, to have an exclusion on a personal policy in the USA for DUI.

Most likely the claim will be covered, assuming you have collision.   You'll have to pay your deductible.  And then most likely again, the company will cancel or nonrenew your policy, and you'll have to go with a high risk company (and pay a lot more in premiums).