Comments on: What happens to my insurance after a dui and an accident?

By: CaseyAngelEyes

CaseyAngelEyes — Mon, 28 Dec 2009 03:35:08 +0000

The price is probably going to skyrocket. You may want to try a website that compares multiple companies at once to get you the best price. I am paying less than ½ after I did.

Go to: http://www.insureme.com/landing.aspx?Refby=616165&Type=auto

Take care,
Casey

By: fisherwoman

fisherwoman — Mon, 28 Dec 2009 03:04:45 +0000

Yes, you have problems. You allowed a non licensed person to drive your car, that one mistake, voided your insurance. Then the wreck, you and your friend will be required to make repairs, pay medical bills if injuries, etc. Yes, your insurance is going to be cancelled, Yes, you will have difficulty getting insured, and when you do, it’s gonna cost you big bucks. So, what have you learned from this experience and the one you already have on record? Time to start being responsible. Good luck.

By: The Fallen Angel

The Fallen Angel — Mon, 28 Dec 2009 02:36:06 +0000

Both of you should be smacked three times in the face, and then never able to drive again.

Stupid drunk drivers.

By: Clevis D

Clevis D — Mon, 28 Dec 2009 01:37:34 +0000

You can forget about having insurance for a long, long time.

By: joystoy33

joystoy33 — Mon, 28 Dec 2009 01:25:20 +0000

What insurance?

By: ISOintelligentlife

ISOintelligentlife — Mon, 28 Dec 2009 00:38:00 +0000

You don’t specify what happened regarding the accident…

Which is interesting, because even policies that have permissive usage allowances for non-listed drivers require that those drivers have both your permission and a valid license.

I’m curious: did your insurance pay for the accident? (I’d be shocked if they did!)

If you have a DUI on your record, you’re almost certainly already on a non-standard policy. If the insurance company paid for the accident, yes, your insurance will go up. If they refused to pay based on the fact that your friend didn’t have a license, they will probably non-renew your policy (or “drop” you, as you said.)

If that happens, your options are few and far between. If a company that offers coverage for a DUI won’t keep you, that doesn’t bode well for other companies. It’s likely that your only choice at that point will be a state-mandated program. (Every state that requires insurance on a vehicle with active tags also forces insurance companies doing business in the state to take a certain number of high-risk applicants.)

If it comes down to that, you will probably be paying $200/mo (or more) for liability coverage. (Could be a lot more, depending on your state.) Also, keep in mind that most of the state-sponsored programs only offer annual premiums (meaning they do NOT accept monthly payments); you’d have to get a separate premium financing agreement to make installment payments (and the interest rate on those can be quite pricey, too.)

By: MiaDiva27

MiaDiva27 — Mon, 28 Dec 2009 00:27:49 +0000

you should stop drinking and driving and dont trust anyone driving your car w/o you being in it. anywhoo your insurance will go up on the strength of the accident that he had. they can drop you at their discretion. this is a risk you take when being irresponsible.

By: Brother B

Brother B — Sun, 27 Dec 2009 23:32:42 +0000

Your record is secondary but your insurance is gonna go up big time because your friend had no business driving your car. Don’t be surprised if they refuse your claim. Plus, don’t be surprised if you are dropped.

You made a serious error in judgment by allowing your friend to drive your car.

By: oklatom

oklatom — Sun, 27 Dec 2009 22:42:08 +0000

Yes, and yes. You will probably be required to do a SR22 filing, which is high risk insurance and it will be very expensive to get.

Never let anyone drive unless you know for sure they are licensed.

By: Tam Tam

Tam Tam — Sun, 27 Dec 2009 22:28:33 +0000

Yes, they can drop you.
But, no , you won’t have trouble finding insurance somewhere else, providing you are willing to pay an arm and a leg.

Looks like this would be a good time for you to start checking out public transportation!