Will Car Insurance Pay For a Car Totaled in a DUI Accident? | DWI Involving an Accident, Wreck or Injury | Randall Isenberg

Whether your auto insurance company will pay for a car totaled in a DUI accident depends on the wording of your policy contract. In some situations, the insurer will deny coverage because you were engaging in illegal activity. in others, the insurer may cover the damage.

If you are involved in a car accident involving alcohol intoxication, according to the Texas Department of Insurance, the liability portion of your insurance will pay for expenses related to the accident and the financial losses of the other driver, including the cost of your vehicle if it is total.

Reading: Does insurance cover vehicle when dui

Your insurance will likely also pay for your vehicle if it is totaled, which, in turn, could significantly increase your insurance rates in the future.

how an attorney can help after a dui accident

The first thing to know about a dui is that it is a charge that only applies to underage drinking in texas. A drinking while intoxicated (DWI) charge applies to adults age 21 and older. A dui and a dwi come with their own set of penalties and should not be used interchangeably. You can still be charged with a dwi even if you are a minor, as it depends on the circumstances and the discretion of the attending officer.

After a dui accident, you could face criminal charges and penalties. Also, anyone injured in the accident can sue you for expenses related to the collision.

An attorney can help you limit your fault and liability after an accident by:

  • examine machines and devices used to test blood alcohol concentration (bac) for accuracy and calibration
  • take steps to potentially limit your criminal and financial liability
  • If you are found responsible for the accident, your insurance company may increase your rates or cancel it altogether.

    minimum insurance requirements in texas

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    all registered vehicle owners must purchase and maintain continuous auto insurance in the state of texas. Liability insurance is the minimum insurance coverage you can buy that demonstrates your ability to accept financial responsibility after a collision.

    The minimums for civil liability insurance are:

    • $30,000 per person for injuries
    • $60,000 per injury accident
    • $25,000 to cover property damage
    • The details of the insurance plan you purchase will be covered in the wording of your policy contract.

      For a free legal consultation, call (214) 696-9253

      how your blood alcohol concentration (bac) is defined in texas

      You are considered legally intoxicated if your bac is greater than 0.08. If you are under the age of 18, a DUI is a complex traffic ticket that could prevent you from driving for a significant amount of time and is a class 3 misdemeanor. This makes it vital to obtain the services of a Dallas DWI attorney as soon as possible if faces these charges.

      As an adult with a high bac, you can be charged with a misdemeanor or felony with the potential for jail time and hefty fines. one of the most serious consequences of a dwi as an adult is a conviction which means he can never seal his criminal record in the future. having a lawyer by his side can lessen this possibility and limit its impact on your file.

      the short-term and long-term costs of a DUI conviction

      A DUI has serious consequences that can negatively affect every area of ​​your life, even outside of the question of whether auto insurance will pay for a car wrecked in a DUI accident. If you are arrested or convicted of driving under the influence of alcohol, it can affect your academic studies, your standing in the community, your public appearance, and your career.

      See also: How to Make a Car Insurance Claim in Singapore – MoneySmart.sg

      If this is your first time charged with a DUI, according to the Texas Department of Transportation, you may face:

      • up to $500 fine
      • between 30 and 180 days license suspension
      • eight to 40 hours of community service
      • mandatory alcohol awareness classes
      • If you are charged with another DUI offense, these penalties increase in severity, especially if you are driving with a child under the age of 15. Also, if you receive more than two DUI convictions, you may need to install a special ignition switch in your vehicle to prevent you from driving if you have been drinking.

        A DUI conviction can also significantly increase your insurance rates. If you were involved in a car accident and received a DUI, an attorney may be able to help you reduce the legal and financial impact of the accident.

        click to contact our attorneys today

        learn how a dui affects your auto insurance

        Will auto insurance pay for a car destroyed in a DUI accident, or will you be forced to pay accident-related expenses out of pocket?

        an attorney can help you determine a course of action to follow after a dui. we’re here when you want to put more than 30 years of experience to work for you. call the law offices of randall b. isenberg at (214) 696-9253 to manage the legal ramifications of a dui and the financial consequences of a car accident.

        call or text (214) 696-9253 or fill out a free case evaluation form

        See also: Car Insurance Refund: What to Expect From Your Car Insurance Company 2022

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