If my son gets a DUI in my car, will it affect my insurance policy?

Question

My son got a DUI while driving my car. Will it effect my insurance if his name is not on the insurance policy?

Stephen Freeborn · Answer

It still might.  Does your son live in your home?  Is he still a dependent? Does he have access to your car?  Do you, from time to time, allow him to drive your car?  Depending upon the answers to these questions, your rates may be adversely affected.

Michael Palumbo · Answer

Yes.

Dennis Roberts · Answer

No.

Steven D. Dunnings · Answer

Yes.

Roianne Houlton Conner · Answer

Yes it will.

Jacob P. Sartz · Answer

Yes, it could, if he was insured through your policy or covered as a listed driver on your policy. However, it depends on the insurance company. Ultimately, though, he is the one who see additional points, higher costs, and those penalties especially when he tries to get his own policy.

Craig Elhart · Answer

It depends upon your  insurance policy.  Contact your insurance agent and if needed, call  an attorney.

Jared Altman · Answer

Yes. I think it will.

Douglas J. Lindsay · Answer

The answer to your question is it depends on the car insurance company with whom you have a contract of insurance. From what I understand you are the owner of the vehicle. You are the owner/payor of the insurance policy. Given these facts, you need to examine you policy/contract of insurance for the vehicle and, if you are not clear as to your potential exposure give your insurance agent a call or contact an attorney so the policy can be reviewed, at length.

Mechislav Furman · Answer

Probably not, but you might want to review your policy.

Mark R. Thiessen · Answer

No, but his insurance will skyrocket.

Terry Nelson · Answer

Not unless he is on your policy as an insured driver, or he crashes it. Upon arrest, the car will be towed and impounded though.

Ryan L. Russman · Answer

They will require SR-22 insurance for a period for three years.

Timothy Byrne · Answer

If your son is not on your insurance policy, his DUI should only affect his driving history and cost of insurance.

Michael Maltby · Answer

Your insurance rate is based on the record of those insured only.  If they don't insure your son they do not care one iota.

Michael J. Breczinski · Answer

If he lives in the household and has access to your vehicles then the amswer is yes. Discuss this with your insurance agent.

John Forsyth · Answer

No. The DUI conviction will be a part of his separate driving record. His own insurance will likely increase premiums but you should not be affected. If he was in an accident in your car, then you can expect your insurance to take notice. For the future you are now on notice that your son got a DUI in your car. If he were to get another DUI where there was an accident and injuries while he is driving your car, a smart civil lawyer might come after you personally for negligent entrustment of your vehicle.

Michael Dungan · Answer

Probably not if you make him an excluded driver on your policy.

Eric Chandler · Answer

Yes, if he is on your insurance, then your rates will increase.  If he has his own insurance, then his own premium will likely increase.

Gregory Graf · Answer

It will not effect your insurance until he attempts to get his license back. Once he does so, he will need to get a form SR71 from the insurance company.  To avoid that, make him get it from a different company than yours.  In other words don't list him as an authorized driver on your car and don't let him drive your car anymore.  Make him go on his own.

Kevin Ellmann · Answer

It should not.  Traffic violations and DUI offenses are discovered by insurance companies pulling the driver histories of those they insure.  If he is not on your policy, it should not affect your insurance, unless there was an accident.

Daniel Kiss · Answer

Probably not. I'd have to see the policy to be sure, but If there was no accident, then there would be no reason for your company to know about the DUI.

Daniel J. Pingelton · Answer

If he's not an authorized driver, it should not affect your policy.

William Quitmeier · Answer

If you insure the family then it is likely this incident will increase your insurance premiums.

Harley Gutin · Answer

Your son's DUI could effect your insurance if he is living at home and a driver under your policy.  It is not going up because he was driving your car.  It will go up because of his driving record (DUI conviction) just like if he got into an accident.  If insurance costs go up due to his arrest record you may need to remove him from your policy which means he can't drive any of your insured cars.

Timothy Klisz · Answer

They will require you to exclude him as a driver of your vehicle. Then it should be ok.

Jonathan Baner · Answer

Almost certainly not unless your insurance company is doing something different.

Paul J. Wallin · Answer

Very likely yes.

Bruce Arthur Plesser · Answer

Probably if he's a covered driver under your policy.

Louis Leibowitz · Answer

If he is listed as a driver of your vehicle, it probably will.

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If my son gets a DUI in my car, will it affect my insurance policy?

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