.063. Impact on insurance

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Joined: Tue Nov 16, 2010 4:34 pm

.063. Impact on insurance

Postby PeterH » Tue Nov 16, 2010 4:40 pm

On Saturday I was involved in a collision. Nobody was hurt but my car has significant damage and the other has some rear end damage.

I recorded .063. First ofence, in my 50s.

My comp insurance policy indicates clearly that they wil not provide cover if the driver (me) was over the legal limit (.05 in Vic).

Do insurance companies show some discretion? That is, would they bend the rule a bit bearing in mind that I was not significantly over and have a clean record....or is that just wishful thinking?



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Postby Hardy » Tue Nov 16, 2010 5:13 pm

Most insurance policies will exclude cover if the driver is over the drink driving limit. Of course they have discretion, but if they have already told you they won't cover you then they have exercised their discretion.

Some collisions result in blood tests being taken and if the dollar value is high then it is usually worth trying to win those cases in order to save your insurance cover as well as your licence.

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