Does a car insurance company drug test?
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UPDATED: Sep 15, 2021
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- Submitting to a drug test is not part of being able to get insurance from a car insurance company
- There is a possibility that a car insurance company could ask you to take a drug test based on a contract that you sign, but even for health reasons, this would be very unlikely
- If you are concerned about drug testing after an auto accident, you may be required to submit to drug or alcohol testing by local law enforcement or via a court order
- If there is a claim involving an insurance company, the results of a drug test that you are required to take based on a court order or because you were arrested, the results of the test may be used in determining whether to pay your claim or in court
- If you are concerned about taking a drug test after an accident, it is a good idea to retain an attorney to protect your rights
There is probably no chance that you would ever be required to take a drug test in order to get a car insurance policy.
If you are taking out a health or life insurance policy, this may be a different story because having blood work done is a very typical requirement for those types of insurance policies. If you are applying for a new health insurance policy, your insurance provider may request a drug test before granting you a policy. However, it depends, because it’s not required by all insurance companies. If a drug test is required, you will be asked to submit a sample of blood or urine. These samples will be analyzed to determine whether they contain illicit drugs. If the substance levels indicate abuse, you can still get coverage, but your premiums will be higher.
While health insurers do not do drug testing directly, there is some sort of drug screening for potential policyholders in employer-based health insurance plans. As part of the pre-employment process, some employers drug screen their candidates, in order to determine whether they should be dropped from a health insurance plan.
Dealing with medical records after an accident is a different story, which may have legal ramifications for you. If you are concerned about an accident in which you were under the influence of drugs or alcohol, it is probably best to contact an experienced attorney.
What are the information requirements for taking out an auto insurance policy?
When you go to sign up for a car insurance policy, the insurer will ask some basic questions to determine if you are eligible for coverage and what rate you will pay.
In general, you will be asked for the following:
- your current insurance information
- your vehicle information
- your driver’s license
- your Social Security Number
- your current employment information
- the basics on any other people that you would like to be added to your policy, including the cars that they drive
Almost every car insurance company will verify the information that you provide through some type of third-party system. Many insurance companies subscribe to reporting agencies that can provide information, such as your credit score and your official driving record.
This helps an insurance company determine your risk level for insurance and will influence the premium that you pay for coverage.
Do not try to hide or misrepresent any information that the insurance company asks for.
This can only hurt you in the end because if you fail to provide the insurance company information or lie about something in your application, it can be grounds for an insurance company not to cover your claim or to cancel your coverage.
Alternatively, the insurer may just decide not to renew your coverage at the end of your current policy term.
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What about car accidents involving drugs or alcohol?
When you need to file a claim for some damage to your car, you should not be worried about having to submit to a drug test on account of the claims procedure for your car insurance company.
The real potential for being required to take a drug test comes into play if there are law enforcement involved in the accident or if you receive a court order to comply with testing. In some cases, the other party in a case may get the court to require that you undergo drug testing.
The results of a drug test can come out in court as admissible evidence. Depending on the circumstances of your case, this could become a public record.
For example, if you are involved in a drunk driving accident in which another driver was injured, your BAC may become a part of the official record of the case.
However, there may be an opportunity for your attorney to object to the records being admitted or you having to submit to the drug or alcohol test in the first place.
If you have filed a claim under your own insurance policy, you may be represented by an attorney from the insurance company in defending your case. It is in the insurance company’s best interest to minimize the effect of any drug test on your liability for an accident.
The insurance company attorney would likely fight on your behalf to have you get out of the test or have the results excluded from evidence.
You may still want to get your own attorney to represent your best interests, and you are certainly entitled to do so as long as you are prepared to pay out of your own pocket for separate representation.
When looking at your eligibility for car insurance coverage, the car insurance company will look into your driving record. This will include if you have ever been convicted of a DUI or involved in an accident involving drugs or alcohol.
If this is true for you, then you may be looking at paying a higher rate for insurance because you will be characterized as a higher insurance risk.
When you have an accident involving drugs or alcohol on your driving record, it is even more important that you seek out multiple quotes on your car insurance rate.
Be sure to ask the insurance agent if any special discounts for completing a driver’s safety course could apply to you. If so, you will want to take full advantage of whatever discounts you can get.
What’s the bottom line?
While you will probably never have to take a drug test on behalf of your car insurance company, you may have to submit to one for other reasons if you are involved in a car crash.
If you are involved in a drunk driving case, then getting a drug or alcohol test can be part of the legal process. You will want to get an attorney to protect your rights, but you will not have to undergo a test on behalf of the insurance company.
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