car accident & drink driving

vikingaero

Sagaris wrote: »

If you are insured with Admiral, you won't be covered anyway - one of my work colleagues found out this week that if a customer of theirs is involved in drink or drug driving, the policy is null and void if they are convicted - and they won't pay for any third party damage either.

Scary.

The Insurer WILL have to pay for third party damage. But what they Admiral will do is attempt to recover the monies paid out from the Policyholder through the Courts and bankruptcy of necessary.

vaio

They might be able to not pay for your car but they certainly couldn't get out of the third party claim

Ian_W

Sagaris wrote: »

Well I thought that too, but he rang and asked the question again, and was told the same thing - as was my manager, who is also insured with Admiral.

No it's wrong. Admiral can't legally avoid third party liability, they MUST under the Road Traffic Act pay out if liability is established. However, they can seek to recover their costs from the policyholder or driver.

This is what their policy says, bold added:

If an accident happens whilst you or any person entitled to drive under Section 5 of your current Certificate of Motor Insurance is convicted of an offence involving drink or drugs, or was driving under the influence of drink or drugs, no cover under the policy will be provided and instead, our liability will be restricted to meeting our obligations as required by the Road Traffic Act. In those circumstances, we reserve the right to recover from you or the driver, all sums paid (including all legal costs), whether in settlement or under a Judgment, of any claim arising from the accident.

real1314

If someone posted that they'd had half a pint of lager and had an accident, would they be accused of drink driving by posters?

What if it was 2 pints, the night before at 10pm and had an accident at 9am?

I'd say not. Now add the original amount, then add it again. Keep going until you say Yes. Did you switch from "Fine, acceptable behaviour" to "Spawn of Satan, lock them up and throw away the key"?

It's easy to throw a judgement in, even if you don't know the full facts. That's a really typical way of trolling.

It "used" to be said that a man could have 2.5 pints before being over the limit. Mind you, beer was about 3.5% then.
The OP might be small and had 1.5 pints of 5%, that might give a positive result sometimes, other times they might get a clear on 2 pints. Who knows?

no-oneknowsme

Wouldnt the best option be to do what sensible people do and avoid alcohol altogether if they are planning to drive ?

There should be a total ban on alcohol for drivers...

Chorlie

I hope not only that you get points, but your insurance goes sky high and you get banned from driving.

Drink Drivers are the scum of the earth, if you can't plan right to either be picked up or have a someone driver who isn't going to drink then do the right thing and call a TAXI....

I know to many people who have ended up disabled or worse dead because of SCUM like you.

shellsuit

no-oneknowsme wrote: »

Wouldnt the best option be to do what sensible people do and avoid alcohol altogether if they are planning to drive ?

There should be a total ban on alcohol for drivers...

Some people lack a bit of sense though.

Me and hubby went out Thursday night and he was driving. He had 1 pint of shandy with his meal (at 7pm) and drank coke for the rest of the night. We got home around midnight.

I used to have this argument with people, who would say that you are allowed X units before you are classed as over the limit and took that as gospel.

But what if you drank on an empty stomach?

What if you were really skinny or really short?

Alcohol affects different people in different ways, so it's just best to have nothing if you know you're going to get behind the wheel.


I have no sympathy with the OP at all, troll or not.

olly300

no-oneknowsme wrote: »

Wouldnt the best option be to do what sensible people do and avoid alcohol altogether if they are planning to drive ?

There should be a total ban on alcohol for drivers...

Some products i.e medicines and mouthwashes contain alcohol so you can't have a total ban.

I_know_my_ABC_and_my_CMYK

Sagaris wrote: »

Well I thought that too, but he rang and asked the question again, and was told the same thing - as was my manager, who is also insured with Admiral.

The guy that drove into the back of my car this time 4 years ago was over the limit, he was also using a mobile phone at the same time as driving.

My solicitor told me that your insurance is not null and void if you are driving after alcohol or over the limit.

My mother once saw an accident with my father in the street where they live and she said you can't be a witness when you see it through glass.................:eek::rotfl:.

I_know_my_ABC_and_my_CMYK

olly300 wrote: »

Some products i.e medicines and mouthwashes contain alcohol so you can't have a total ban.

There was a case a few years back where a driver was found to be over the limit and he got away with it in court as his solicitor showed evidence that he was addicted to mouthwash and used it constantly thouout the day.