I was charged dui + my insurance company doesn’t know, should I notify them for $1700 coverage for road work?
I was in an accident involving a highway railing but no other automobiles except my own. This was six months ago. My insurance company was not notified and as of now has no information regarding my accident or dui. I totaled my car and have gladly stopped driving as I live in a city and can bike,...
I was in an accident involving a highway railing but no other automobiles except my own. This was six months ago. My insurance company was not notified and as of now has no information regarding my accident or dui. I totaled my car and have gladly stopped driving as I live in a city and can bike, walk and ride public transportation. My question regards an outstanding bill I have for ,700 to the state highways for repair to the railing I hit. Should I pay out of pocket? or file an insurance claim and have it covered as part of my property damage liability? I have heard the insurance company would increase my insurance rate for 3 years, but I don't plan on having a car anyway. I could use the 00, however, I've come away clean thus far and am reluctant to bring this to my insurance company's attention if I don't have to, though it may be just a matter of time before the insurance company learns of the accident anyway. I have moved to a different state and have a different drivers license and plan on discontinuing my insurance at the end of the month when the policy runs out.
If you were convicted of DUI your insurance company will find out soon enough. They usually check drivers records at renewal time and sometimes periodically at random. You were supposed to report any accident within a few days. You violated the terms of your insurance contract. If you report it now they will probably wonder why you didn’t report it sooner. They will also wonder what else you have been hiding. They might even deny your claim. Don’t be surprised if your insurance gets canceled and you have difficulty finding another company to insure you.
All states now share a common drivers data base. The DUI is on your record everywhere. Your new state and license won’t help you. If you attempt to get coverage with another company and lie about the DUI they will also cancel your policy when they find out about it and will deny any claim you file.
Just my opinion but you might as well report it to your insurance and hope they pay the $1,700. I don’t think you have anything to lose.
Howard L is right about the company finding out.
I pay claims like this all the time. You might as well file, they will check your record at renewal.
Try to deal it out of pocket, otherwise insurance rates will go up much more. You can check how quotes will change here – autoinsurance.bebto.com