INSURANCE COMPANIES AND THE EFFEC...

The saying, “One for the road,” might often be said in jest, but, tragically, too many people die on the roads each year as a result of driving under the influence. Due to this, car insurance companies view drunk driving with zero tolerance.

The end of the year means lots of Christmas parties, especially in the workplace. Drinks tend to flow freely at these occasions, and there is a lot of temptation for people to over indulge. However, before you have one too many, take a look at how your actions could impact on how car insurance companies view your premiums.

Though it may vary from company to company, here is how some car insurance companies generally respond to drunk driving.

1. Possible Claim Complications

Insurance companies can’t be seen to condone breaking the law. Because of this, attempting to claim for an accident caused while over the legal limit might not turn out favourably. This means that drivers might be facing criminal charges as well as having to pay the full cost of any damages as a result of the accident.

2. Insurance May Become Difficult to Come By

Both traditional and online insurance companies prefer low-risk individuals, naturally. So, it stands to reason that an insurer may choose not to continue providing cover for a driver’s vehicle after he or she has been convicted of drunk driving. Furthermore, if the conviction sees the driver’s licence revoked, finding insurance anywhere will be impossible.

Be Safe This Season

The festive season is about celebrating and enjoying yourself responsibly. This, however, can be seriously jeopardised if you are in an accident as a result of being under the influence. In order to avoid legal complications as well as insurance problems, rather stay safe and never get behind the wheel if you have been drinking.