What happens to insurance if I have a drunk accident



This November 15 is the World Day without Alcohol. This quote tries to make us reflect on the negative consequences of abusing this substance. So much so that, according to the World Health Organization , alcohol is responsible for up to  3 million deaths a year . And Spain is the European country where it is consumed most frequently. However, this is not the only problem, because: do we drive under the influence of alcohol? What are the insurance coverage for drunk driving? The insurance comparator Acierto.com  analyzes it.


14% regularly drive while under the influence of alcohol

 


Thus, the data from their latest survey is chilling: 45% admit to having driven after consuming alcohol. And up to 14% say they act this way regularly . The same percentage say they have ever driven in excess of the legal BAC (knowing that they were doing so and that they were endangering their safety and that of others).


In fact, behind this way of proceeding is not ignorance. Almost 9 out of 10 say they know the legal limit for breathalyzer . On the other hand, we find those who do not drink when they drive: 60% indicate that they avoid alcohol for fear of a possible fine. A point where, again, the lack of security does not come into play. autonomous.


Almost half of the deceased had consumed alcohol

 

But what are the consequences? According to data managed by Acierto.com,  48.7% of drivers who died in traffic accidents in 2020 had consumed alcohol, drugs or psychotropic drugs  (3.2% more than the previous year). Most of them were men (95%). And 68.5% of the deceased were between 25 and 54 years old. If we focus on the substances consumed, alcohol continues to be, by far, the most common. Drugs and psychotropic drugs follow.


Also striking is the high rate of alcohol among drivers who lost their lives under its influence: almost 80% were above 1.2 g / l. But not only deaths are important but accidents in general:  alcohol is behind 60% of claims . And the risk of having a traffic accident is multiplied by 25 when the presence of alcohol in the blood reaches between 1.5 and 2.4 g / l.


The figures are even more worrying if we take into account the  drop in displacement that occurred in 2020  as a result of the coronavirus crisis, the implementation of teleworking, and so on.


What happens to insurance if I have a drunk accident

 

At this point,  “we cannot forget how the car insurance will act if we have a drunk traffic accident ”, what are the insurance coverage for drunk driving ?, add the experts from Acierto.com . As a general rule, the policy does not cover the driver if he is under the influence of alcoholic beverages. In other words, this driver will have to face, on the one hand, an administrative sanction and, on the other, the possible compensation that, by way of repetition, the insurer will request later. Amounts that can be millionaires, in certain cases.


The insurance comparator also remembers that there is another possibility:  being immersed in an accident as a pedestrian  while under the influence of alcohol. "This situation can have terrible consequences, especially if it is shown that we have caused an accident while drunk, for example, because we have crossed improperly and we have generated an accident with fatalities." Not to mention the fine if we have a little more "luck".


It can also happen that, precisely by committing recklessness as pedestrians going drunk, we become the victims of this traffic accident . Unfortunately, these types of claims are becoming more and more frequent and result in more and more deaths. Specifically, 46% of those who underwent an autopsy, tested positive.


Finally, the comparator indicates that there are  some insurers that offer policies (usually for young people) with a nightly assistance service  that picks up the insured if he is drunk. It operates between 00:00 and 07:00 in the morning and what it does is pick you up by taxi and take your car by tow truck to your home.

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