One of my friends just bought a 16,000 dollar jeep liberty and she drove drunk and TOTALLED it....she got charged with DUI....will her insurance company still cover it? She had full coverage. She paid it in full with cash, so is she out 16 grand?
2006-07-08 18:18:16 · 10 answers · asked by Anonymous in Business & Finance ➔ Insurance
Even if she was driving drunk? Thats awesome she'll be glad to hear that.
2006-07-08 18:24:23 · update #1
They have to pay for the damages if it's full coverage.
2006-07-08 18:23:02 · answer #1 · answered by heidielizabeth69 7 · 8⤊ 2⤋
Usually they do pay for the damages less your deductible. Since times are a lot different right now, insurance companies are trying everything they can think of to not pay out any money. It will also depend on the insurance company and how the policy is written up. You might take a look at your policy and make sure if you can, read the extra extra fine print and make sure it doesn't say that they will not cover you if you are involved in an accident and was under the influence at the time. Once your damages have been repaired or maybe even before, don't be surprised if your insurance company send you a letter telling you they have canceled your policy. If they don't cancel your policy, you can expect your rates to be so high you will call them and cancel your policy. Either way, you will be paying some very high insurance rates before long.
2016-03-15 21:43:14 · answer #2 · answered by Anonymous · 0⤊ 0⤋
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2016-06-11 21:07:44 · answer #3 · answered by ? 3 · 0⤊ 0⤋
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2016-09-26 05:23:02 · answer #4 · answered by ? 3 · 0⤊ 0⤋
Yes if she carried collision coverage there definitely will be coverage less her deductible. Collision coverage pays regardless of fault.
On the total loss you should check on comparable vehicles in the area to see if the amount offered on the total loss is a fair value. Check the paper and other vehicle web sites for the same make and model.
But you can bet her rates will go up drastically if they still keep her. She might have to find a new insurance company since she will now be rated under a high risk classification.
I hope she wasn't injured.
Good Luck in dealing with this challenge. She's got a good friend in you.
2006-07-08 19:17:03 · answer #5 · answered by Kamikazeâ?ºKid 5 · 0⤊ 0⤋
It really depends on the clauses in her contract. MOST companies DO NOT pay when you are cited for a collision that was your fault. She would have to prove she did not know she was not supposed to drink and drive. She can't do that.
Her Insurance company may also DROP her as an insured.
2006-07-08 19:08:10 · answer #6 · answered by kathleenhudson2004 2 · 0⤊ 0⤋
An insurance policy is a contract. They have to pay whatever they agree to pay even if the driver was drunk, as long as the insured does what he/she is supposed to do. (Pay the premiums, report the claim in a timely fashion...letc.)
There are some exclusions, fraud, war, criminal activity... and others listed in the policy, but they owe as long as none of these apply.
And for DUI, they might also cancel or non renew the insurance policy.
2006-07-09 08:17:54 · answer #7 · answered by C R 3 · 0⤊ 0⤋
I suggest you to visit this site where onel can get rates from the best companies: http://QUOTESDEAL.NET/index.html?src=5YAawK55OiT3nsB1
RE :Do Insurance companies give you money if you totalled a car in a DUI?
One of my friends just bought a 16,000 dollar jeep liberty and she drove drunk and TOTALLED it....she got charged with DUI....will her insurance company still cover it? She had full coverage. She paid it in full with cash, so is she out 16 grand?
Update: Even if she was driving drunk? Thats awesome she'll be glad to hear that.
Follow 9 answers
2017-03-26 10:54:37 · answer #8 · answered by ? 6 · 0⤊ 0⤋
Thats a tough one...I think they would but i know there gonna put her in a high risk plan,shes gonna pay alot more,if they don't drop her altogether.
2006-07-08 18:24:09 · answer #9 · answered by Anonymous · 0⤊ 0⤋
Only if they are drunk......
2006-07-08 18:23:42 · answer #10 · answered by pieter U3 4 · 0⤊ 0⤋