"If you drink not you drive" is nothing new, we all have this because we've grown up with it as part of our education. Even those who do not lead know it too, and the DGT becoming ads against alcohol and other distractions in normal driving more explicit ... if we consider that in the last report on deaths in traffic accidents notes that four out of ten drivers killed had positive results in drug and / or alcohol.
But although we know that road and alcohol are not good playmates combination is much worse if you also go on a bike, because alcohol affects balance: a key to drive this type of vehicle component.
Having said this we turn to the central theme of our article: What then my bike insurance if I have an accident while under the influence of alcohol?
The law allows
L Considering that the law allows for maximum blood alcohol rate of 0.5 grams of alcohol per liter of blood or 0.25 mg / L in expired air (except for those drivers with less than one year license in which case It is reduced to 0.3 g / L BAC, and 0.15 mg / L in air). In addition to the general drivers and novice, the law specifies that for professional drivers the limit on the rate of alcohol should be, as for the novice, up to 0.3 g / L in blood and 0.15 mg / L in expired air.
Beyond these fees, if you pass, you'll fight to the corresponding fine and loss of license points or even jail if need be.
Accidents under the influence of alcohol
But the least that can happen is that you remove the corresponding points or pay the fine ... that's worse than you see in an accident while under the influence of alcohol and also exceeding the permitted alcohol limit.
How to act?
If you have a motorcycle accident where no other vehicle involved and are under the influence of alcohol will act like as if it was another incident except that it is quite possible that others involved asked the police presence.
Regarding your motorcycle insurance best thing you can do is advise as soon as possible to your company because you need that is Be aware of the claim within seven days of the same.
Formalities
A notice from your insurance and your insurance paperwork is started, if it is stipulated in the policy, it will be responsible for the material and human damage that occurred to the third parties involved in the accident. This is because the obligation of the company is always the damages to the third, but does not happen the same with your own, that is, if accurate healthcare you the will to give, but the material damage caused to your bike they will stay regardless.
Now, to take charge of damage involved (and personal own) does not mean that you will not have to pay anything: Given that the accident occurred under the influence of alcohol the company, once who has taken charge of expenses, will claim the money from the compensation paid and the healthcare provided, as you've breached the terms of the agreement contracted check your policy.
In legal terms
This stipulation is what is known as the School of repeat insurers, which appears in Article 10 of the revised text of the Law on Civil Liability and Insurance, according to which "the insurer, after the payment of compensation, you can repeat:
- Against the driver, causing the car owner and the insured, if the damage was due to the willful misconduct of any of them or driving under the influence of alcohol or drugs, narcotics or psychotropic substances. "
So, you see, companies, backed by the law include a clause in their policies not covered for those that occur to others under the influence of these substances damage. Obviously, involved, you must be in a state of exceeding the limits imposed by law outlined above drunkenness.
What if you are affected?
If you have not been the cause of the accident, but instead have been affected because of a drunk driver then part (as you can imagine) you do not have to worry about compensation and that will be covered.
In case you have suffered only material damage:
In this case the s was your insurer to take charge of such damages, but after the insurer will ask opposing the compensation accordingly.
In the event that you have suffered personal injury:
If the accident you suffer personal injury, whether physical or psychological (or both) will be opposing the insurer who takes over direct compensation.
Obviously if the other driver involved in the accident tested positive for alcohol, you will not have to worry about compensation, because that's what Liability insurance: to cover all drivers so that if damage occurs to third parties (like you in this case), these are covered.
Well, you know, alcohol is one of those exclusions of the policy by the insurer is not responsible risk and be you have to pay the damages caused by driving under the influence of alcohol (and drugs, toxic or drugs). So do not get the play and take your bike only when you're in perfect condition to worry just to enjoy the road. Also, do not forget to have your motorcycle insurance daily Subscribe Now with lapoliza.com and leave your worries behind.
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