Life insurance companies often require patients to undergo drug tests. But do car insurance companies have the same requirement?
Will a car insurance company ever make you do a drug test? Are you required to undergo a drug test from your car insurance company? Will doing drugs increase your car insurance premiums?
Today, we’re answering all your questions about how your car insurance company deals with drugs.
It’s Highly Unlikely a Car Insurance Company Will Require a Drug Test
It’s virtually unheard of for a car insurance company to require patients to complete a drug test. You should not have to complete a drug test when applying for car insurance, nor should you require a drug test when comparing car insurance quotes online.
We can find no credible reports online of car insurance companies in the United States requiring drivers to complete a drug test prior to purchasing ordinary car insurance.
Your car insurance company will request plenty of information from you during the application process. Your car insurance application will include things like your driver’s license information, your Social Security Number, your contact information, your driving history, your employment history, and the year, make, and model of your vehicle. None of that information, however, includes a drug test.
Law Enforcement Officers or Doctors May Request a Drug Test After an Accident
The only time a drug test may would have any impact on your car insurance is after an accident. After an accident, drivers may be asked to submit to a drug test for legal or health reasons.
If you were involved in an at-fault collision, for example, and investigators suspect you were impaired while driving, then you may need to undergo a drug test. If the accident leads to litigation – say, if the other drivers sues you – then the results of the drug test may be used against you in court.
Will I Be Asked to Complete a Drug Test After I File a Claim?
We’ve established that you don’t need to complete a drug test when you file a car insurance application. But will you be asked to complete a drug test when you file a claim?
Even if you’re filing a claim, it’s highly unlikely for your car insurance company to ever request a drug test.
Remember: your car insurance will still cover damages (according to the terms of your policy) if you get into an accident while driving under the influence. Whether you’re driving under the influence of alcohol or drugs, your car insurance will cover that incident regardless. Your rates will go up after the accident (especially if you were at-fault or received a DUI/DWI), but your car insurance company will still cover the latest accident.
Who Can Request a Drug Test?
It’s highly unlikely for your car insurance company to request a drug test at any point or for any reason.
However, your doctor may recommend getting a drug test after an accident. Law enforcement officers, meanwhile, can also require you to submit to a drug test after an accident. If you fail to submit to this drug test, then you may face other penalties.
If your doctor requests you to perform a drug test after an accident – say, for health insurance reasons – then you may choose to do one. However, you generally have the right to refuse a drug test from your doctor. You do not typically have the right to refuse a drug test from a law enforcement authority.
The other parties involved in the accident – or the lawyers representing those parties – may ask for a drug test after a collision – especially if fault is being disputed in the accident. The lawyers representing the other parties may also have access to the drug test results requested by law enforcement after the accident. Drug test results are typically admissible evidence in court.
Generally, your own lawyer or insurance company can object to this, and they’ll push back against the other insurance company using your drug test against you.
It’s unheard of for a car insurance company to request a drug test during the application process. It’s highly unlikely your car insurance company will ask you to perform a drug test for any reason.
However, law enforcement may require you to perform a drug test after a collision – say, if they suspect you caused a serious accident when driving while impaired. Additionally, your doctor may recommend a drug test after a collision for medical insurance purposes.