Will Your Partner's DUI Affect Your Car Insurance Rates?

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Will Your Partner's DUI Affect Your Car Insurance Rates?

See how we're different

So your partner’s driving record now has a Driving Under the Influence (DUI) or Driving While Intoxicated/Impaired (DWI) conviction. In both cases, the police pulled your partner over, charging him/her with the offense of driving while drunk.

Regardless of the type of offense your partner committed, both can have a huge effect on your life, especially your car insurance rates. The insurance company will view your partner as a risk and increase the insurance rates.

 

Is There Anything I Can Do to Decrease My Car Insurance Rates?

 

Your insurance company may present you with two options. The first option excludes your partner from the car insurance coverage and the second option includes your partner, but you will have to persuade the insurance company to reduce your premiums and present you with the best possible rate. Let’s take a closer look at both options to help you decide.

 

 

Option 1: Excludes Partner

 

The first option excludes your partner from the car insurance. This will lower your car insurance rates, making it more affordable. If you select the first option, you will need to inform your partner that they can’t drive your car. If your partner drives your car while they are under the influence, and the cops pull him/her over, it could mean big trouble.

Even if your partner drives your car completely sober and gets involved in a car accident, your bank account will take a hit, as your insurance company will refuse to compensate you for the damages, injuries, and medical expenses. 

Check with your state’s car insurance laws to determine if you can exclude your partner from your car insurance policy, as some states don’t allow you to exclude your partner if you live in the same house and especially if you are a married couple.

 

Option 2: Includes Partner

 

The second option may not be your first choice, but you may have no choice, but to have your partner’s name on your car insurance policy. You can’t afford not to obtain car insurance coverage for your partner, as they will need one sooner or later to drive back and forth to work and fulfill other household responsibilities.

We advise you to obtain car insurance coverage on the less costly car from a different insurance company and put in a request with your insurance company to omit the name of your partner from your car insurance policy on the car you drive.

If you have one car and both of you use it, you will have to list the name of your partner and any other driver such as your children who are of driving age on your car insurance policy. You will need to trust your partner to not drive under the influence again and follow all traffic laws to minimize the risk of getting into a car accident.

 

What Can I Do If My Partner, Excluded from the Policy, Gets into a Car Accident?

 

If you have successfully excluded your partner from your car insurance policy, but he/she still drive your car, as we previously stated, it could mean big trouble for you. If your excluded partner gets into a car accident, your insurance company has the complete right to reject your claim. This means you will have to pay for the damages and injuries occurred out of your own pockets.

However, paying for the damages and injuries is the least of your worries, as your insurance company may charge you with fraud. If you had excluded your partner from the car insurance policy, they should not have been in the driver’s seat.

Not only will your insurance company take immediate action to cancel your car insurance coverage, but there is a high chance, they will file criminal charges against you. Once they cancel your car insurance policy, obtaining another affordable car insurance policy may be difficult. Even though finding an affordable car insurance policy may be difficult, it is not impossible.

 

 

Will It Affect My Driving Record If I Allow My Partner to Drive My Car?

 

No, it will not affect your driving record if you allow your partner to drive your car. However, it will increase your car insurance premiums. After their DUI/DWI conviction, the insurance company will brand them as a high-risk driver.

You should not allow your partner to drive your car if you have excluded them from your car insurance policy and if you have included them on your car insurance policy, it will cause your premiums to increase if they get into a car accident or get another violation.

 

Apart from Including and Excluding Them from My Coverage, What Else Can I Do to Prevent My Car Insurance from Increasing? 

 

So far, we have discussed the possibility of obtaining individual car insurance coverage and switching cars if you own more than one. Another way to reduce your car insurance rates is to examine your car insurance coverage.

Review your car insurance coverage to determine if you are underinsured or over insured. Examine your existing car insurance coverage to determine if you can afford to increase your deductible or can cancel some of the additional coverage you have added to your policy, but don’t need them. In doing so, you may be able to reduce your car insurance premiums.

For instance, you don’t drive your car a lot, driving it less than 7,500 miles per year. If that’s the case, discuss with your insurance company if you can obtain a low mileage car insurance coverage.

In short, if your partner has a DUI/DWI conviction, you will try all the ways we have mentioned to try to reduce your car insurance premiums, as after a conviction, the insurance company views your partner as a liability.

 

 

Questions? We’re here to help!

We hope you found this article helpful. If you need to speak with an agent, please feel free to use the chat feature in the bottom left-hand corner or contact us at 203-481-8898.

 

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