So, you are drunk and have a crash.

[J4CKO]

Are you still covered by your insurance ?

Myself and the wife were discussing this following a really bad crash locally in which it seems alcohol and massive speed were a factor, hence the debate, she didnt think that you would be covered if you were very drunk, I had never pondered this before but thinking about it I reckon that whatever you drink and whatever speed you do you are still covered but you wont ever get insured again.

I suggested that if she took her thinking to the logical conclusion and you have a low speed bump and were below the legal limit but still registering they wouldnt pay out.

[J4CKO]

PHmember said:

J4CKO said:

I suggested that if she took her thinking to the logical conclusion and you have a low speed bump and were below the legal limit but still registering they wouldnt pay out.

Well I would say that 'being below the legal limit' & being 'drunk' are two completely different things, so on that basis your argument holds no water.

just for the record, how fast & how drunk were you / mrs. (delete as appropriate)

Hang on, this isnt me or the missus ! it was a debate precipitated due to an accident that happened locally and we got to discussing what the insurance companies line would be on it and I decided to ask the collective wisdom of the mighty Pistonheads ! my thinking is that they accept the risk and would probably pay out at least the third party claims.

My point about being drunk versus say having had 1 small glass of wine with a meal, being below the legal limit but still registering on a breathalyser was me trying to place where the insurance company would draw the line, would it factor at all, would they try to deny the claim, is there anythign in the policy that specifies not havign any alcohol in blood.

Its a moot point anyway as generally after a big crash, if you are drunk, you are probably more worried about the effect on the rest of your life, job, family, friends, liberty and remorse.

Edited by J4CKO on Wednesday 5th January 23:26

[J4CKO]

zippyprorider said:

PHmember said:

just for the record, how fast & how drunk were you / mrs. (delete as appropriate)

I would imagine the op would find that pretty insulting, what is the point of that comment?

Potentially I could of, no point, I just qualified my position that it was a hypothetical situation but thanks.

[J4CKO]

El Guapo said:

J4CKO said:

Myself and the wife were...

Please don't do this. It's very annoying.

Not sure what you mean, have I made a grammer faux-pas, let me know what it should be and I will make sure its correct next time !