Whether your insurer will compensate you for a totaled car in a DUI (driving under the influence) incident rests on your policy agreement’s wording. The agency may cover your damages or deny coverage because you were committing a crime.
Suppose you have a car accident in Nevada, and the incident involved driving under the influence of alcohol. In that case, your coverage’s liability portion will settle the other driver’s resultant financial losses and damages, including their totaled vehicle’s costs. What’s more, your insurer may pay for your totaled care, and this could mean higher insurance rates in the future.
The Pacific West Injury Law attorneys can help protect your rights, negotiate settlements, and build a solid defense for your DUI case.
What Does Nevada Consider a Totaled Car?
You’ve probably encountered the term totaled vehicle. Nevada laws consider this a total loss. After the accident, the estimated repair costs are over 65% of the vehicle’s actual value, based on how much it was worth before the accident.
The amount you paid for the vehicle, what it’ll cost to replace it, and your car loan amount don’t matter. Instead, the insurance company will ascertain whether it’ll cost over 65% of your car’s value to repair.
Will the Insurance Company Pay for the Totaled Car?
The amount you’ll get from your insurer depends on your insurance coverage. For instance, if you’ve insured your vehicle with the state’s minimum required coverage, it’ll take care of the damages caused to other people. But you won’t be paid if you’re the at-fault party in the accident.
On the contrary, those with collision and comprehensive insurance coverages will be paid up to their policy limit. So, for instance, if you have $7,000 in damages and a policy of $9,000, your insurer will pay you the $9,000 less your deductible amount.
Your Insurance Company May Claim an “Intentional Act” to Avoid Paying Out
Insurers in Las Vegas may strive to prove that you intentionally placed yourself in a risky situation that was likely to cause an accident. This could be their ticket to denying you compensation in some cases.
However, remember that most insurance providers will at least cover repairs. This happens when you argue that the accident was intentional, and they might decline to cover personal injury losses and other drivers’ losses.
Discuss Your Case with a Qualified Attorney Today
If you’re looking for an experienced DUI attorney to help with your case, then search no more. Schedule a free case review with Pacific West injury Law today.
