Although most people refer to DUI insurance as simply “driving without insurance‱ there is no such thing as an uninsured motorist policy. The term is generally used to describe the incident involving a driver when others are shopping for insurance because many insurance companies will not cover drivers who are suspected of having a drunk driving accident.
There is an exception to this rule which states that an uninsured driver has not caused injury to a person or property and the driver was not under the influence of intoxicating drugs at the time of the accident. In this instance, if the insurance company pays out any claim the amount is paid regardless of whether the driver is being sued for damages done to the vehicle. In this instance the uninsured motorist policy would cover the damages to the car and would only pay if a person sues for damages.
Most insurance companies offer policies that will cover a person for DUI accidents. In some cases, these policies have been called uninsured motorist policies. These policies are designed to protect individuals who are caught driving under the influence of alcohol and who fail to maintain a minimum required blood alcohol concentration level.
Some people think they are protected by a DUI policy if they were using an illegal substance while driving. However, any driver who is found to be under the influence of alcohol and refuses to take a chemical test is covered under this policy regardless of what type of substance was used. However, if a driver is found to be under the influence of illegal substances while driving and chooses to take a chemical test to prove it, the policy would exclude any damages done to the car or other property that was damaged during the accident.
Many times when a driver has an accident that does not involve another driver, insurance companies will issue them with a policy for liability. Liability coverage only covers the other driver in the event of an accident caused by the driver. While this type of policy is designed to provide insurance for the driver in the event of an accident, many drivers do not understand that their liability is limited to the amount of money the other driver spent on damages, not including medical expenses, legal fees, and other costs.
This is why choosing to carry liability coverage is a good idea. The policy is designed to limit the amount of money the insured driver will have to pay out to those who are injured or damaged due to their negligence. While it may seem like a good idea to carry insurance, not all drivers are able to carry liability insurance, and some drivers do not carry enough coverage.
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