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Auto Insurance Claims/UnInsured Driver Accident

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Expert: - 10/4/2009


Question
My husband took my car from a parking lot and wrecked it while drinking and driving. Will this be covered by insurance? I reported the claim but I do not know if it is going to be denied..This is in NC.


Answer
Hi Tina,

In some states, some insurance policy do esclude coverage if an accident occurs while you are drunk. You would have to read your policy to know for sure. There are other factors that could come into plat as well, such as, was your husband at fault for the accident, did he get a ticket for DUI, etc. You should read your policy. OIf course at some point the insurance company will tell you it you are covered or not.

I hope this helps
Richard Hixenbaugh

Auto Insurance Claims

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Richard Hixenbaugh

Expertise

Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.

Experience

I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.

Organizations
Society of Certified Auto Appraisers

Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

Past/Present Clients
My company has done work for consumers nationwide.

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