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About Claims Guy
Expertise
I am currently an Auto Claims Manager for a large insurance company. I have 18 years experience in the industry, having worked as a Claims Adjuster, Injury Settlement Negotiator, Claims Manager, SIU/Fraud Investigator, and Compliance Officer......I can answer questions related to any aspect of Automobile insurance claims and coverages. I can provide an inside look at how insurers operate. I always treat my customers fairly and want to help make sure you are treated fairly. However, please keep in mind that being treated fairly according to the law does not guarantee that you will get what you want. I can also answer some questions regarding Homeowner's and other types of insurance claims. I have handled all types of auto insurance claims and coverages. I am NOT an automotive repair expert but can give advice re how insurers handle complex repair issues. Please keep in mind that every state has its own set of laws pertaining to rules of the road, liability, and insurance. No one is an expert on every state. I am most familiar with laws in Maryland, DC, West Virginia, and Virginia, but will attempt to answer questions for other states.
Experience
I am currently an Auto Claims Manager for a large insurance company. I have 18 years experience in the industry, having worked as a Claims Adjuster, Injury Settlement Negotiator, Claims Manager, SIU/Fraud Investigator, and Compliance Officer.
Education/Credentials
I have a B.S. in Finance and have completed the AIC and CPCU designations.
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You are here: Experts > Autos > Auto Insurance > Auto Insurance Claims > DUI and insurance claim on damaged vehicle
Auto Insurance Claims - DUI and insurance claim on damaged vehicle
Expert: Claims Guy - 11/9/2009
Question
Do the major insurers pay to fix a damaged vehicle for a single car accident where the driver was guilty of dui? If they don't pay, should it still be reported to the insurance company or is it better just to fix the car yourself?
Answer
Yes, they will pay. The DUI does not impact the claim.
It will have a huge impact on premiums. They will probably find out even if you do not report the claim, so I would make the claim if it is for more than a few hundred dollars. Most run driving checks periodically. There is a chance they might not find out for a while if you are lucky.
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