If you are involved in a DUI accident, and you are wondering if you should tell your car insurance company about it right away or if you can try and handle it on my own, please read below. Most policies need that you give "prompt notice" of any DUI accident or loss. If a long time passes before you report a claim and if the car insurance company is prevented from doing an investigation or taking some other action which it could have done if you had reported the claim earlier, this could give the insurance company a legal basis for paying less than the full amount of your claim. Sometimes because the policy terms were broken, for example a drinking and driving charge, the company may have legal grounds for refusing to pay the entire claim because of the DUI. If you try to settle a claim yourself and you are not trained in defending property, liability claims, or DUI law/drugged driver laws, you may do or say something which could make it more difficult for the car insurance company to settle the claim later. Anything you do without the car insurance company's involvement could work against you at a later time and might give the insurance company a basis for denying to pay all or a part of your claim because of your DUI.
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