Maryland DUI Accidents and Who Pays

Who is Responsible for Damages?

Who pays damages resulting from an accident caused by someone who was driving while under the influence of alcohol? Several factors come into play in this situation; but in most cases, as long as one maintained current auto insurance coverage at the time of the accident, the insurance company will pay for resulting damages.

However, some insurance policies have clauses that exclude the insurance company from having to pay for damages when an accident is caused by drunk driving. Ultimately, it is important to know what your coverage entails before, and especially after, an accident. In the end, if you cause an accident because you were driving under the influence of alcohol, you will end up paying in the long run. That is, while the claim will be made under your coverage, you will have to pay all deductibles and your insurance rates will go up as a result.

Facing a Drunk Driving Conviction

A DUI conviction can not only carry with it serious penalties handed down from the MVA and criminal court, but you can also be penalized or possibly dropped by your auto insurance company as well. After being convicted of a DUI in the state of Maryland you will need to obtain high risk drivers auto insurance which can be extremely expensive. Some auto insurance companies, including major insurers, do not offer this type of insurance policy to customers so you may have to go through the inconvenience of changing auto insurance carriers if your provider does not offer high-risk driver’s insurance. As with any insurance policy, different insurance agencies offer different rates, even on high-risk policies so it is important to shop around for the best deal and try to save some money if possible.

What to do After a DUI Accident

When you are involved in an accident because of driving while under the influence of alcohol, it is important to contact your insurance agent to figure out the specific details of your insurance policy in order to determine the severity of the rate hikes, what paperwork needs to be completed and submitted, and whether or not your insurance company will even continue to insure you.

Contact our Defense Lawyers Today

Being accused of DUI can be very stressful, not to mention complicated. For more information on the many consequences a DUI conviction can have on you, contact us today at (866) 444-6363. At Alpert Schreyer, our experienced Maryland DUI defense attorneys will examine the circumstances of your case and provide you with the strongest possible defense given the specific details of your DUI. For a free case evaluation of your case, don’t hesitate to contact us today.