No one wants to get into an accident, especially one that they cause. But D & E Insurance Agency in Muskogee, OK wants you to understand your auto insurance coverage and what it does (and doesn’t) cover. So, what happens if you cause an accident while you’re drunk?
Does your auto insurance cover you?
In short, no. If you cause an accident while you’re under the influence of alcohol, your auto insurance policy will not cover the damages. Most auto insurance policies have a clause that specifically excludes accidents caused by drunk driving. So, if you choose to drink and drive, you’re doing so at your own risk.
Of course, there are other factors to consider as well. For example, if you have comprehensive coverage, your insurer may cover damages caused by an accident even if you were drunk at the time. However, this is typically only the case if the accident was due to reasons beyond your control (like bad weather).
In addition, it is necessary to be aware that some states have "no-fault" laws regarding car accidents. These types of laws mean that each driver’s insurance company will pay for the policyholder’s damages resulting from the accident, without considering who may have caused the accident. But, Oklahoma is an at-fault, or “tort” state. So if you cause an accident then you are responsible for all medical bills and property loss.
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If you cause an accident while you’re under the influence of alcohol, your auto insurance will not cover the damage. So, if you choose to drink and drive, you’re doing so at your own risk. If you have any questions or want more details, please contact the D & E Insurance Agency in Muskogee, OK.