Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Managing Editor & Insurance Lawyer

UPDATED: Feb 10, 2015

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Insurance Question from Berkeley Lake, GA

Asked on 02/10/2015

Liability insurance exceptions are there instances when an insurance provider would refuse a liability claim? for instance if the insured driver DUI/DWI at the time of the accident and he/she is found at fault for the accident.

Answer given on March 09, 2015

Insurance companies must provide liability coverage for injuries and damages to another person’s car even if their driver had a DUI. The insurance policy does not allow the insurance company to deny coverage due to a violation of driving rules.The amount the insurance company will pay for bodily and property damage, is of limited to the amount of insurance that the driver had. Most policies show the amount for liability and the amount for property damage. However, some policies are a “combined single limit” which is one amount that will pay for either or both up to the amount of insurance on the policy. Of course, if the policy was cancelled for non payment of the premium prior to the date of the accident, then the insurance company can, and will, decline coverage for the accident. In that case, you may be able to file a claim with your uninsured motorist coverage under your policy. This will not affect your rates if you file this type of claim.


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