Facing a DUI is a serious matter, with potential consequences that extend beyond legal penalties.
Also know as IRS – Immediate Roadside Sanction – an IRS fail is the most serious type of IRS and is issued when a driver is suspected of impaired driving.
The consequences of an IRS Fail are severe and it can impact various aspects of life, including insurance coverage.
Finding insurance coverage after a DUI can be overwhelming, especially since many traditional insurers are hesitant to provide coverage to high-risk drivers. And if they do, the premiums are often exorbitant.
At DND Insurance, we understand the challenges Alberta drivers may encounter after a DUI conviction, and we’re here to help.
As specialists in providing DUI insurance in Alberta, we are dedicated to finding drivers the coverage they need to move forward with confidence.
If you’ve been convicted of a DUI, let’s take a look at your options:
Does Insurance Cover DUI Accidents?
When it comes to standard car insurance policies, coverage for accidents involving DUIs is typically excluded.
This exclusion is based on several factors, including the heightened risk associated with DUI incidents and the violation of policy terms.
Heightened Risk
Insurers look at DUI accidents as posing a greater likelihood of significant property damage, bodily injury, and even fatalities.
For insurance companies, these can result in significant financial losses.
Violation of Terms and Conditions
Driving under the influence is also a clear violation of the terms and conditions outlined in most insurance policies because it reflects reckless behavior and negligence.
As a result, insurers commonly exclude coverage for DUI-related accidents in order to mitigate their own financial risks.
What Coverage Options Are Available After a DUI?
At DND Insurance, we specialize in providing car insurance options tailored to high-risk drivers, including those with DUIs.
When it comes to coverage options after a DUI, we offer a range of insurance policies designed to meet the diverse needs of Alberta drivers.
These include:
Liability Coverage
Liability coverage remains a fundamental component of insurance policies, even for drivers with DUI convictions.
This coverage helps pay for damages to other vehicles or property in accidents where the insured driver is at fault.
It’s essential to note that liability coverage does not typically cover the cost of repairs to the insured driver’s vehicle or medical expenses.
Collision Coverage
Collision coverage provides protection for damages to the insured vehicle resulting from a collision, regardless of fault.
Even with a DUI conviction, this coverage can be essential for ensuring financial security in the event of an accident.
With collision coverage, the insurer will pay for repairs to the insured vehicle, or if the vehicle is deemed a total loss, they will provide compensation based on the vehicle’s value at the time of the accident.
Comprehensive Coverage
Comprehensive coverage goes beyond collision-related damages, covering losses from incidents such as theft, vandalism, or natural disasters.
Despite a DUI conviction, drivers may still benefit from comprehensive coverage for added peace of mind.
This coverage can help protect against non-collision-related damages to the insured vehicle, ensuring that drivers are financially protected from a wide range of risks beyond accidents alone.
Understanding the Impact of a DUI on Your Coverage
Following a DUI conviction, drivers often face significant repercussions, including increased premiums and challenges in securing standard insurance.
The increase in premiums is a direct result of the higher risk associated with DUI incidents, as insurers adjust rates to reflect this elevated risk factor.
Increased Premiums
After a DUI conviction, insurance premiums typically skyrocket. This increase stems from the perception of increased risk associated with driving under the influence.
Insurance providers often view individuals with DUIs as higher risks to insure, leading to substantial premium hikes.
These elevated premiums can place a significant financial burden on affected individuals, making it crucial to explore alternative options for affordable coverage.
Difficulty Finding Standard Insurance
Securing standard insurance after a DUI can be challenging, if not impossible.
Many traditional insurance companies may outright deny coverage to individuals with DUI convictions or offer policies with exorbitant rates.
This difficulty arises from the perceived higher risk associated with insuring drivers who have a history of impaired driving.
As a result, individuals with DUIs may find themselves facing limited options when seeking standard insurance coverage.
Benefits of DND Insurance for Alberta Drivers with DUIs
At DND Insurance, we recognize the challenges Alberta drivers face after a DUI conviction.
Our specialized DUI insurance services are tailored to address these challenges and provide comprehensive support for individuals in need.
Expertise in Handling High-Risk Drivers
With years of experience in the insurance industry, our team possesses extensive expertise in handling high-risk drivers.
We understand the nuances of DUI-related insurance issues and can navigate complex situations with confidence.
ur goal is to leverage this expertise to find optimal solutions that meet the unique needs of each client.
Competitive Rates for DUI Convictions
Despite the increased risk associated with DUI convictions, we believe that affordable insurance should still be accessible to Alberta drivers.
That’s why we offer competitive rates specifically tailored for individuals with DUI convictions.
By leveraging our network of insurance providers, we can negotiate favorable terms to ensure that our clients receive quality coverage at a price that fits their budget.
Personalized Guidance and Support
Navigating the insurance process after a DUI can be overwhelming. At DND Insurance, we provide personalized guidance and support every step of the way.
From assessing coverage needs to explaining policy options and assisting with paperwork, our dedicated team is committed to helping you make informed decisions and feel supported throughout the process.
We believe in building lasting relationships with our clients based on trust, transparency, and genuine care for their well-being.
Next Steps: Getting a Quote and Moving Forward
Obtaining insurance after a DUI conviction may seem daunting, but at DND Insurance, we’re here to simplify the process and support you every step of the way.
Easy Quote Process
Our streamlined quote process is designed for your convenience. We understand the urgency of your situation and strive to provide prompt responses and transparent information.
With just a few details about your driving history and insurance needs, we’ll work efficiently to provide you with a customized insurance quote tailored to your specific circumstances.
Commitment to Helping Alberta Drivers
At DND Insurance, our commitment to helping Alberta drivers extends beyond just providing insurance coverage.
We understand the challenges you may face in the aftermath of a DUI conviction, and we’re dedicated to offering compassionate support and practical solutions.
Our team is here to answer your questions, address your concerns, and provide ongoing assistance as you navigate the complexities of securing insurance after a DUI.
With our expertise and understanding, you can trust us to prioritize your needs and work tirelessly to find the best possible insurance options for you.
DUI Insurance in Alberta – We Have You Covered!
Don’t let a DUI conviction hold you back from moving forward.
At DND Insurance, we specialize in high-risk insurance and can help you find the coverage you need.
Contact us today to experience our easy quote process and discover how our dedicated team can assist you in getting the insurance coverage you need to drive with confidence again.