1. Increased Premiums: Your auto insurance premiums may increase as a result of the other person's DUI. Insurance companies view drivers with DUIs as high-risk individuals, and they may adjust your rates accordingly to reflect the increased risk associated with your vehicle being operated by someone who has a history of drunk driving.
2. Policy Cancellation: In some cases, your insurance company may choose to cancel your policy altogether if the other person's DUI was considered to be a serious offense or if it occurred while the vehicle was being used with your permission. This means you would need to find a new insurance policy, and your rates may be higher due to the DUI on record.
3. Exclusion of Coverage: Your auto insurance policy may include an exclusion for coverage if the vehicle is operated by someone who is intoxicated or under the influence of drugs or alcohol. If this exclusion is in place, your insurance company may deny coverage for any damages or injuries resulting from an accident that occurs while the other person is driving under the influence.
It's important to note that insurance companies have different policies and procedures when it comes to handling DUI-related incidents. It's crucial to read your policy carefully to understand the specific terms and conditions related to DUIs and how they may affect your coverage. If you have any questions or concerns about how another person's DUI could impact your auto insurance, you should contact your insurance company for clarification and guidance.
