drink driving insurance

[turkeys neck]

hi could anybody tell me if my insurance will be void because i was over the limit,and if me or my passenger will still be able to claim.....thx

[Sheriff JWPepper]

Talk us through it.

[Troesma]

turkeys neck said:

hi could anybody tell me if my insurance will be void because i was over the limit,and if me or my passenger will still be able to claim.....thx

In a nutshell : if you were caught over-boozed, yep, say bye-bye to any insurance claim...

[TPS]

Yes your insurance will be void.

[turkeys neck]

had 2 stella with the dinner drove home with the wife i was in a bmw in the wet on a bad bend wasnt speeding or anything lost control went down a ditch rolled over 3 times car was in bits wife was a bit worse for wear broken elbow back eye.i was ok just a bit shaken i was only just over even the police officer said the urine test should come back ok but it didnt i was just over.is it pointless trying to claim ? and will me or the wife be able to claim for injuries even if not for the car ?.....im gutted

[turkeys neck]

had 2 stella with the dinner drove home with the wife i was in a bmw in the wet on a bad bend wasnt speeding or anything lost control went down a ditch rolled over 3 times car was in bits wife was a bit worse for wear broken elbow back eye.i was ok just a bit shaken i was only just over even the police officer said the urine test should come back ok but it didnt i was just over.is it pointless trying to claim ? and will me or the wife be able to claim for injuries even if not for the car ?.....im gutted

[turkeys neck]

the police officer seems to think i can claim but again he wasnt 100%

[Troesma]

If breathalizer showed you were above the limit, you got the urine test as a possible getaway... but unfortunately, if an urine (or blood) test comes back against you, not much you can do about it.

Would be very difficult to argue that your Stellas had nothing to do with loosing control of the car...

Edited by Troesma on Sunday 15th July 22:37

[odyssey2200]

did you have a blood test?

[Sheriff JWPepper]

odyssey2200 said:

did you have a blood test?

Blood or urine, not both.

[turkeys neck]

ye i know what ur saying im gutted 02 bmw.no i didnt have the blood test i should of but i thought the piss test would be ok

[Fort Jefferson]

turkeys neck said:

hi could anybody tell me if my insurance will be void because i was over the limit,

No it won't.

[Sheriff JWPepper]

turkeys neck said:

had 2 stella with the dinner drove home with the wife i was in a bmw in the wet on a bad bend wasnt speeding or anything lost control went down a ditch rolled over 3 times car was in bits wife was a bit worse for wear broken elbow back eye.i was ok just a bit shaken i was only just over even the police officer said the urine test should come back ok but it didnt i was just over.is it pointless trying to claim ? and will me or the wife be able to claim for injuries even if not for the car ?.....im gutted

Admire your honesty, not an easy thing to admit & a very hard lesson. Am curious was is really only two stellas?

Sorry can't help on insurance issue.

[turkeys neck]

2 stellers im not the biggest of drinkers tho even the officer new i wasnt drunk.notorious bad bend aswell rear wheel drive car in the wet...easy way out for the insurance i guess VOID IF DRINKING what about personal injury claims tho can we claim for them try and get a bit of money back in ?

[turkeys neck]

fort jeff are you saying it wont be void ? is there light

[Greendubber]

Fort Jefferson said:

turkeys neck said:

hi could anybody tell me if my insurance will be void because i was over the limit,

No it won't.

I'm not so sure about that, I had the pleasure to see an ex boss do pretty much the same thing and nothing paid out as he was over the limit.

Read the Terms and Conditions of your policy for your answer.

Edited by Greendubber on Sunday 15th July 23:12

[peterguk]

I thought insurance company was obliged to pay 3rd party claims regardless..

[Mr_annie_vxr]

My understanding is in these circs, driver not covered, car not covered wife any others covered. However any payment may be reduced if they feel that the other persons had knowledge of the drivers intoxication. I.e failed to minimise there own risks.

[turkeys neck]

ye im gutted it looks like the insurance on the car is void with the drink driving but i thought maybe we could still claim for injury ?

[Sheriff JWPepper]

What sort of beemer was it?