<prompt> Human: Im not entirely sure this is the right subreddit for this but it seemed at least somewhat appropriate. My brother older than 18, younger than 21, who was covered by our mothers insurance, recently got into a car accident while DUI and totaled his vehicle. My mother is trying to figure out the best course of action as to if she should try to file a claim in hopes of recouping at least something from the accident while also hoping the DUI doesnt go on her policy or if she would just be better off just removing the vehicle from her policy.Any advice?  <response>: The DUI is going to be part of the driving record regardless of whether the accident is claimed. Eventually the insurance is going to find out about it either way and either raise the premium or drop the coverage. The state is also likely going to require a SR-22 for your brother from the insurance company assuming he is convicted of the DUI. 