Experiencing an accident while under the influence is a predicament no driver wants to encounter. In Massachusetts, where driving laws are stringent and insurance regulations are strictly enforced, the aftermath of a DUI can have enduring financial implications. A frequently asked question is whether insurance will still cover costs if a DUI is involved. Allow Smoller Insurance Agency, serving Boston, MA, and surrounding areas, to clarify.
Understanding Liability Coverage Post-DUI
If you cause an accident while driving under the influence in Massachusetts, your insurance company is generally still required to pay for damages and injuries inflicted on others. Liability coverage, which is mandatory in the state, is designed to protect third parties from financial loss. This means the insurer typically covers medical bills, property damage, or legal claims filed by others involved in the accident.
However, your troubles won’t end there. The insurer may opt to cancel your policy or refuse to renew it once the DUI is on your record. You’ll likely be classified as a high-risk driver, which can result in significantly higher premiums or limited options when seeking new coverage.
Potential Denial of Collision and Comprehensive Claims
When it comes to damage to your own vehicle, the situation differs. If you carry collision or comprehensive coverage, the insurer might still investigate the circumstances of the crash. Since driving under the influence is a criminal offense, some policies have exclusions that allow them to deny claims for illegal acts. This means you could be left with the costs of repair or replacement.
A DUI in Massachusetts carries severe penalties, and your insurance may not protect you as you expect. If you’re uncertain about how your policy would respond in a worst-case scenario, consult with an agent familiar with Massachusetts regulations, such as Smoller Insurance Agency, serving Boston, MA, and surrounding areas. Gaining clarity now could help you avoid significant financial stress in the future.
