Do auto insurance companies drug test?
Auto insurance companies don't order drug tests on their clients, but the police may do it when an accident occurs. A positive test could mean a hike in rates.
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UPDATED: Nov 1, 2021
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- Insurance providers do not administer drug tests on their clients at any time, but the legal authorities do it when an accident occurs
- Your previous record of involvement with drunk driving may pose challenges with getting an insurance cover at a fair price
- Testing positive for the use of drugs while driving may lead to a termination of your insurance policy or a hike in your premiums
Most insurance companies will rarely require you to take a drug test to acquire auto insurance coverage. However, you receive a test if a legal authority suspects that you have been using alcohol or drugs while driving.
The insurance providers use the information obtained from a drug test by a legal authority to determine whether they would pay your claim or not. In these situations, it is advisable to seek some professional help from an attorney.
Some car insurance companies may request a drug test depending on the contract, though it is on rare occasions.
Questions Asked By Auto Insurance Companies
The insurance company may ask you several questions after you file an application or a claim. The driver should be ready to provide the following information:
- A detailed explanation of the incident
- The contacts and the insurance information of the other parties involved
- Date, time, and the location of the accident
- Was anyone given a ticket or penalty
- Involvement of the police, what jurisdictions and the case numbers
- Medical expenses incurred by the driver if there were any injuries
- Detailed description of the damages on your vehicles and other cars
- Information on whether your car needed towing to the area of repair
While you may not be required to take a drug test by your insurance company, health or legal authorities will make you submit one in the case you’re involved in a car accident.
Sometimes the other party involved may request a drug test and the courts would be obliged to grant one.
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The Role of an Attorney
If you have made a claim to your insurance company, the company allocates an attorney to represent you in the case. The company would be serving their interests in minimizing the effect of any drug test on the driver’s liability in an accident.
A driver should consider getting an attorney who would represent their interests at the court. The insurance company is not liable for the payment of the attorney that you hire.
Eligibility for your insurance coverage depends on your previous record. The insurance providers in this situation focus on whether the driver has ever been in an accident involving the use of drugs before.
Coverage By Insurance Companies
Most insurance companies provide coverage up to the agreed policy limits in the case of an accident. They provide higher limits in personal injury coverage, which they break down per accident and individual. They also cover property damage.
The insurer may not cover any property damage caused by driving under the influence of drugs and alcohol. This happens when the driver is convicted. If the other party wins a lawsuit, the court may use your financial assets and income to pay the victim.
On the other hand, the insurance company may look to others who shared the liability. They may include the people who served the driver alcohol or drugs either at a house party or in a bar.
In the case of a house party, the homeowner pays for the coverage as long as he has included alcohol liability in his personal liability policy. Bars and restaurants usually have the coverage in their business liability insurance.
Dealing with Auto Insurance Companies after an Accident
If you have a proven record of driving under the influence, the insurance company may decide to cancel your policy. Additionally, you might have a hard time trying to get an insurance plan at a low price.
If the company does not cancel the insurance coverage, the insurer may decide to hike your premiums to as high as 25 percent more on what you paid earlier.
The insurers believe that anyone with a record of using drugs while driving may attempt to do it again, therefore posing a high risk.
Some states may also require you to take classes in an institution for people convicted of driving under the influence of drugs and alcohol. The court may also require you to obtain a special insurance policy from your insurance provider.
The court would only release your driving license after the insurance company sends a letter confirming that you have the special coverage.
Cited but Not Charged with DUI
There are some instances where a driver has the coverage for liability, collision, and comprehensive but the insurance company fails to cover the damages.
In this situation, you may consider getting an exclusion from your insurance provider which contains a written policy language explaining the reasons contributing to the removal of an accident from coverage.
If the policy language applies to your situation and you were guilty of DUI, then the chances of you losing the arguments are very high.
If you just received a court summon but not yet charged, then you can go ahead and claim that the court has no evidence to support their DUI allegations.
If there was a police report questioning your sobriety, you could argue that it was a representation of an individual’s opinion and not concrete evidence.
Remember that there is the only hope of winning an argument with your insurer only when you do not take the drug test. The court and insurance companies treat illegal drugs and prescribed or the over the counter drugs as the same.
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