I and my friend were talking and suddenly got curious about this.

1. If I wreck my car when I'm under influence, would insurance still cover for the damage? Of course under the assumption that I got busted by cops and insurance company knows that I was DUI.

2. How about if I damage the other car or property? Would insurance cover for both? neither?

3. If you get busted with DUI, the usual case I heard was you get held in jail until you get sober next morning. Is it considered as serving a jail time and going to follow you as criminal record (when applying for a job, background check, etc)?
I mean first time violaters usually get away with fines, maybe license suspension, but no jail. My guess was those few hours you were in jail after getting busted are just 'temporary', not really serving a time.

 

1 and 2- most likely insurance will not cover.
3- not sure about other states but in GA the 1st offense is a misdemeanor and does not go on a criminal record. Your few hours in jail do sub out the jail time for your sentence unless the judge wants to be a dick and send you back. However multiple offenses, at least in GA, will make it a felony.

 

Thanks!!

so if mine gets hit by drunker driver's, I'm screwed. Oh wait, my insurance should cover for mine.

 

"I and my friend.."

 

yeah my english sucks.

I thought I could use 'I and my friend' as well as 'my friend and I'. or neither?

 

fixed

 

haha, thanks.

 

It will go on your record for a year if you get accepted into ARD. It will go on your record permanently if you don't get ARD.

 

What's ARD?

 

insurance will not cover.
in WI, a DUI stays on your record forever. 1st time or not. it used to be 7 years, but that changed a while ago.

 

on your driving record or criminal record? or are they same?

 

It also depends on if it was a DUI (Driving Under the Influence) or a DWI (Driving While Intoxicated)

taken from:
http://criminal-law.freeadvice.com/d...conviction.htm

there is info on every states Drunk Driving Laws

 

i think some of you need to check your policies...

insurance WILL cover damages and injuries if you drive drunk and get into an accident, unless there is a specific exclusion. They may cancel you right after covering you, but they will still cover.

 

Driving, which is accessible to all jobs hiring that do a background check and insurance to see.

As for the original posters question, it all varies from state to state and insurance company.

 

Unfortunately I speak from experience. I totaled my car (new VW GTI) back in 99. Insurance covered my car, I actually got more than I paid for it, then dropped me. Lost license for 3 months as part of the ARD program, record is expunged after 1 year, driving record cleared after 7 years.

 

If they kept DUIs on driving records forever no one in PA would ever get insurance!

*runs*

 

I'd have to move to NJ where they pay way more for insurance just for the hell of it!

 

Insurance will not likely cover and you will be in a world of crap.

 

They keep them on record forever in WI and in some parts of the state most people have atleast 1

 

are you guys seriously just talking out of your asses or what? Some of y'all need to really do your research or read up on your policies.

Insurance WILL cover the "victim" of the accident, even if you caused it and you are DUI or DWI. And if you have collision and comprehensive, they will MOST LIKELY cover your car also (read your policy). They will either drop your ass right after or increase your premium by 500%, but they will STILL cover it unless there is a SPECIFIC exclusion in your policy, which is not common.

 

accelerated rehabilitation disposition, they don't have that on the west coast?

It's a program first time offenders can enter, as long as they meet certain requirements of the program. Such as you had a valid license and insurance, you didn't get in an accident, you didn't hurt anybody, you didn't have drugs or weapons in the car, you didn't have minors in the car with you at the time, etc. It is not a guilty plea. After one year on the program without messing up you can get your criminal record expunged.

 

This is true... I went through this many years ago. Granted your premium will sky rocket like no tomorrow... but they will cover it.

and it WILL stay on your record for life. Lesson learned. Dont drink and drive!

 

Pretty much DUI = getting caught with a gun in your hand.. No if or buts you will get license suspended for min of 7 months where I'm from..

 

Insurance WILL cover it. Insurance ALWAYS covers it.


I've had a few friends who got in accidents while drunk and insurance covered them all.

 

i was in a dui car wreck. just had to spend monday-wednesday in the county jail here, NOT FUN. insurance did cover everything but they dropped me because i had quite a few tickets prior

 

:ditto:

 

Insurance covered me, and paid to repair the private fence i broke.

DUI is on my driving record for 3 years. Class B mistermeanor. Insurance now costs me about $2,500 for 6 months.

Also have to pay $1,000 year for 3 years to the state of Texas (just cuz they can).

I did not have to post bail, judge let me out. Got a $500 fine and 32 hours community service, plus 9 months probation.

With lawyer fees and increased insurance premium- DWI will cost me around 20K.