In Florida, being injured in an accident caused by a driver with a prior DUI conviction may be complicated, particularly when dealing with insurance coverage.
Insurance companies view these drivers as high-risk, which influences their policies and potential payouts.
Impact of prior DUI on insurance policies
A prior DUI conviction typically results in higher insurance premiums and may lead to limited coverage options. Insurers often impose stricter terms, which can affect how much coverage is available in the event of an accident. Some insurers might exclude certain types of coverage altogether, leaving those injured with fewer options for compensation.
Filing a claim against a high-risk driver
When involved in an accident with a driver who has a prior DUI, the injured party can file a claim against the driver’s insurance policy. However, the high-risk status of the driver might mean lower coverage limits.
Florida law requires drivers to carry a minimum amount of liability insurance, but drivers with a DUI may only have the bare minimum, making it difficult for injured individuals to fully recover their damages.
Uninsured and underinsured motorist coverage
Given the potential limitations of the at-fault driver’s insurance, motorists should carry uninsured or underinsured motorist coverage. This coverage can help bridge the gap when the at-fault driver’s insurance is insufficient. This type of insurance can be vital for ensuring adequate compensation after an accident.
Seeking legal assistance
Accidents involving drivers with prior DUI convictions often involve complex insurance issues. Those injured may need legal assistance to navigate the claims process and explore all possible avenues for compensation. This can include pursuing claims against the at-fault driver’s insurance, as well as leveraging their own uninsured or underinsured motorist coverage.
Navigating insurance claims after an accident involving a driver with a prior DUI conviction can be complex and challenging. Understanding these insurance dynamics is necessary for protecting one’s rights and ensuring fair compensation.
