2007-10-28 04:33:54 · 14 answers · asked by Anonymous in Business & Finance ➔ Insurance
I've already answered this on another thread but:
If you were drunk then unless your insurance company has a drink/ drugs clause then you will be covered. The drink/ drugs clause may restrict cover to third party only (your liability is covered but damage to your car is not) or may exclude all cover (the insurer will deal with the claim and recover any costs against you).
Assuming the incident was your fault, you will lose two years no claims bonus on the average (unless you had a protected bonus) and a premium loading when you get your licence back (probably 50% as the market is vey competitive). The net effect of this would be to more than double the premium you paid last year.
2007-10-31 11:35:09 · answer #1 · answered by welcome news 6 · 0⤊ 0⤋
The insurer would be required by law to cover any damage or injury to the 3rd party, but I don't think they are obliged to pay for any damage to your own vehicle because you were breaking the law by drink driving (assuming you were over the legal limit).
2007-10-28 09:56:17 · answer #2 · answered by sparkle555_2000 3 · 0⤊ 0⤋
yes you will be covered, but definitely cancelled after the fact. Most insurance companies wont touch you for at least 3 years, and then really big premiums for another 3 years. Good luck!
2007-10-31 05:23:30 · answer #3 · answered by Anonymous · 0⤊ 0⤋
Some companies have an exclusion clause about drunk accidents--you'll have to check your policy. Either way, they'll probably drop you or raise your premiums to an outrageous amount!
2007-10-28 04:42:25 · answer #4 · answered by Anonymous · 1⤊ 0⤋
My cousin just wrote hers off after drinking, she thought it wouldn't be covered but turns out it is.
2007-10-28 04:39:08 · answer #5 · answered by Mum 2 Boys 5 · 0⤊ 1⤋
If the level of alcohol in your blood was at permitted levels yes, could be. If not I don't think so.
2007-10-28 04:38:50 · answer #6 · answered by egeomed 2 · 0⤊ 0⤋
For the other vehicle definately for yours I think so but your premium will be huge next time.
2007-10-28 04:37:08 · answer #7 · answered by Carla A 5 · 1⤊ 0⤋
Hopefully for only the innocent party not the idiot that was drinking!
2007-10-28 04:43:33 · answer #8 · answered by Anonymous · 4⤊ 0⤋
Yes, but that will be the end of your relationship with them.
2007-10-28 13:18:05 · answer #9 · answered by Irish 7 · 0⤊ 0⤋
Depends on the policy. You'd have to read it to be sure.
2007-10-28 04:52:30 · answer #10 · answered by ? 6 · 1⤊ 0⤋