Insurance

by Tam
( ON Canada)

My husband borrowed my car and totalled it and recieved a dui. We had 2 different policies. He had his own I had mine. Insurance didnt cover us, didnt pay us, no claim was made. Does this affect my insurance rates? If so why? I'm not at fault. I wasn't in the car nor did I know he was going to drink. Please explain.


Husband's DUI


Hi Tam
It will affect your rates. The claim was denied due to alcohol, but the accident will still be considered in rating.

Even if he was driving his own car it would have affected your rates. Unless you got him excluded from your policy. As long as he lives with you, the insurers will see him as a risk to drive your car. And the past DUI makes him a risk for big claims (in their eyes).

Hope that helps.

Please be sure to discuss this further with a licensed insurance representative.



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Note: Always speak with a licensed insurance professional about your specific situation. This insurance information is general in nature and the policy wordings always take precedence. It is possible that there are errors and omissions in this website and www.canada-insurance-source.com, or its authors, take no responsibility.

Keep in mind that insurance licensing, legislation, and policies often vary by province and most certainly by country. Canada Insurance Source is a free information source. So use this site to gain a general understanding of insurance with your own area and situation in mind.  Make sure you review the "please read" page. Always speak with a licensed insurance professional about your specific situation.

Always speak with a licensed insurance representative about your specific situation.

This site is general in nature and there may be errors or ommissions

Please Read

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