Can someone claim on their comprehensive car insurance, if they crash their car, and is prosecuted for drink driving afterwards?
2006-10-13 12:17:20 · 22 answers · asked by Sam S 2 in Cars & Transportation ➔ Insurance & Registration
I would like to add, that it wasnt me!!
2006-10-13 12:24:03 · update #1
And this is from England.
2006-10-13 12:36:31 · update #2
It will depend on the policy and the type of accident. If the drink driver was hit in the rear then it will be the other drivers fault and the insurance company probably won't worry at all as they will get their money back (and the policyholder will get their excess back if they have the correct cover). In this situation it is actually better to go directly throught the third party insurers anyway as they will pay for extras - like an improved courtesey car.
A lot of insurance policies will not exclude drink driving. They have to cover all damage to TP's where the driver is at fault regardless of whether the driver was drunk or on drugs. You will probably find that they also cover own damage on a fully comp policy.
In theory the insurance company can attempt to recoiver the costs from a drink driver. However, this can be a costly process and usually does not recover the full amount (especually when any serious injuries are involved). On that basis they probably won't
One thing for definite though, they will refuse to renew the insurance the following year if a conviction is made and no other reputable insurer will take on a driver with a recent dd conviction.
2006-10-13 22:38:29 · answer #1 · answered by Anonymous · 0⤊ 0⤋
Are you kidding? The cost alone for Driving While Intoxicated $1,000 and 3 Days in jail. Then attorneys High insurance, loss of your job! for the next 7 years having proof of insurance Probation Officers. Court ordered Treatment centers.All of this is a very good reason not to drive a while. But if you have an extra $500. deductible then take your car to the body shop. I just came home Friday night opened adult beverage and I'm not going driving. 48 more in the fridge, Hot tub in the back yard and music I don't go out after the pull cap pops.
2006-10-13 12:31:19 · answer #2 · answered by John Paul 7 · 0⤊ 0⤋
If you crash your car, that's collision, not comprehensive. Yes, it's covered, unless the policy has an exclusion stating that losses will not be covered if you're under the influence. And then after they find out about the drunk driving you will lose your insurance. Are you drunk right now? That question could use some spell/grammar check.
2006-10-14 01:28:59 · answer #3 · answered by Chris 5 · 0⤊ 0⤋
Nope! When you drive with more than the legal limit in your system, your insurance cover is void. Especially as to your comprehensive cover! An injured innocent third party may prevail against the insurance company for liability claims agains the drunken driver but the insurance company will be going after them for compensation for the claim.
2006-10-14 00:28:15 · answer #4 · answered by Bostonian In MO 7 · 0⤊ 0⤋
No they cannot claim on their insurance. It will basically state on the insurance document that no claim will be entertained if the driver was under the influence of drink or drugs at the time of the incident.
2006-10-13 12:38:23 · answer #5 · answered by ragingmk 6 · 0⤊ 0⤋
Tell your friend (wink,wink) that no, the insurance company will not have to pay. Most insurance companies do not cover you if the damage to the vehicle happened during the commission of a felony and drinking and driving is a felony.
2006-10-13 12:27:21 · answer #6 · answered by nana4dakids 7 · 0⤊ 0⤋
Ive just checked my insurance details, and it doesnt say anything about a felony..
quote
"6. Limitations as to use:
use for social pleasure purposes and travel between home and permanent place of work
The policy does not cover:
use for hiring,comeercial travelling or use for any purpose in connection with the motor trade
Use for racing, pace-making, competitions, rallies, track days, trials or speed tests either on road or track."
so...who knows....
2006-10-13 21:12:50 · answer #7 · answered by Anonymous · 0⤊ 0⤋
Your Insurance will pay for any damage you caused to another party,but will not pay for any damage to your own vehicle caused by drunk driving.They will then pursue you for any expenses associated with the claim upon your conviction of drink driving,through the courts if necessary.Don't Doubt It!
2006-10-13 12:24:42 · answer #8 · answered by jixer 3 · 0⤊ 0⤋
Don't Drink and Drive...and I don't think the insurance company wants to talk to you right now.
2006-10-13 12:21:53 · answer #9 · answered by Mitch G 2 · 0⤊ 0⤋
comprehensive car insurance covers and damage to you car other than collision like cracked windshields hiting a deer ect. if ran into something it`s not covered under comprehensive this is covered by your collision insurance
2006-10-13 12:30:47 · answer #10 · answered by ncwb1 2 · 0⤊ 0⤋