Are insurance companies required to report out of state accidents when liquor was involved?

Answer 1

I'm not exactly sure what you mean, but I'll give it a go.

If you mean, "Will my insurance company report an alcohol-related accident to the authorities," the answer is most likely "no." Most insurance policies will cover you even if you've had thirty-two beers in a three-hour period, because you pay a premium for that coverage. Your insurance company isn't going to narc on you for something like that.

Of course, the circumstances of the accident will be reported to your carrier's underwriting department, and you can expect a hefty premium increase. Even if you try to switch carriers to avoid the increase, insurance carriers have ways of communicating with each other and eventually the accident will come to your new carrier's attention. Not having received a DUI citation, however, would definitely be in your favor. At that point, you might as well start taking the bus unless you're making six figures a year to cover your new premiums.

Now, if you meant, "I had an alcohol-related accident in another state, and was wondering if it will be reported to the authorities in my state," the answer could be "yes." States have reciprocity laws where they share information with one another. Naturally, that information would find its way into your carrier's hands.