Drink Driving, Will Be Compensated Or Insured?

Take it easy with the alcohol over the festive season, particularly if you are driving.

You run huge risks when you drink and drive, including the obvious ones of being arrested at a police roadblock or causing an accident.

But there are further risks relating to your car insurance policy that you may not be aware of, which could cripple you financially.

If you are involved in an accident and found to be over the alcohol limit, you could be legally affected in a number of ways; Your insurance claim might be rejected.

Your insurer has the right to refuse to pay out any claim if you are found guilty of drunk driving, because you’ve acted illegally.

This means you would face the costs of repairing the damage not only to your own vehicle, but also to any other vehicles involved in the accident.

If you refuse to submit to any test, including a breathalyser test, to determine the level of alcohol or drugs in your blood when requested to do so by the authorities, the insurance company might also not pay out.

You may never be insured again.

If you’re convicted of drunk driving, your insurer could decide that you are a high-risk individual, and it may refuse to continue insuring you.

If one insurance company refuses you cover, others are likely to follow suit.

Your premiums could go up.

If your insurer does decide to pay your claim, it’s likely that your monthly car insurance premium will increase fairly significantly.

This is because you’re now considered a high-risk driver.

Therefore drive wisely always, festive or no festive period.