Mississippi DUI Traffic Accidents and Your Insurance
Driving under the influence (DUI) is a criminal offense. In Mississippi, if you are caught driving under the influence, for your first offense you can face up to 48 hours in jail, up to $1,000 in fines and 90 days suspension of your license. For your third offense, you can be sentenced to up to five years in prison. When you are involved in an accident while drunk, you not only risk the lives of everyone involved but you also risk owing hundreds of thousands of dollars in damages that your insurance will not cover. Here is what you need to know about drunk driving and your Mississippi insurance.
Anyone You Collided With Shall Be Provided for
If you are in an accident while under the influence, your insurance carrier will still cover damages that occur to the other parties involved in the accident. This is because liability insurance, the type of insurance that all drivers are required to have, is meant to provide for other drivers’ injuries and damages, not your own. If you have a comprehensive policy, it is possible that your own injuries and damages may be covered, as well.
Your Insurance Company Will Take it Out on You
It is important to note that some insurance policies have it explicitly stated in your policy that they will not cover damages or injuries related to drunk driving. While this is not too common of a clause to find in an insurance policy, it is always important that you know what your insurance will and will not cover. Even if no such clause exists in your policy, an insurance company may still decline to pay out for injuries you yourself have sustained in the car accident due to your drunkenness.
A much more likely scenario after you have had a car accident while drunk driving is that your insurance company will attempt to drop you as soon as possible whenever your policy is up for your renewal. Insurance companies do not like to cover drivers with preventable accidents like DUIs and obtaining insurance from another company may be difficult. If your insurance company does not drop you, expect your rates to double or even triple as soon as they can raise them.
Contact a Biloxi Personal Injury Attorney
If you have been in a traffic accident involving a drunk driver and have injuries or property damage, you almost certainly require the assistance of an experienced Mississippi personal injury attorney, like the attorneys at the Law Office of Judy Guice. We have decades of experience handling personal injury claims related to traffic accidents.. We can help provide you the guidance you need to get the compensation you may be entitled to. Contact us today for a free initial consultation at (228) 374-9787 or visit us online.