If you've ever been in a collision, you know how the whole point of stressful situation may be to file police reports to deal with the body shop. But imagine if you are in an accident involving a drunk driver?
We were asked several times if it is true that if you are an accident of impaired driving, there is no insurance. We want to address this myth.
In Alberta, all automobile policies follow the same language that is written by the provincial government. This policy has three sections:
Section A: 3 e Liability
This protects you against property damage or injury tangible you do to. other
Section B: Accident Benefits
This provides the limited replacement income and medical expenses for the driver, passengers in the vehicle insured or pedestrians involved in the accident, regardless of who was at fault
Section C :. physical damage
most people carry collision and comprehensive insurance to protect the loss of physical damage. Collision protects against collision damage; Complete protection against many hazards, including fire, theft and hail.
How drunk driving affects insurance?
Have broker review your policy wording to ensure that your needs are properly covered in each section. If you look at Section A , there is no exclusion for drunk driving, so if the drunk driver has a valid insurance, it will pay for property damage and injuries to other to the limits of the policy.
to Section B , although this is done on a no-fault basis, there is an exclusion for injuries drunk driver at fault in a collision. Thus, passengers in that vehicle and pedestrian traffic would still be covered by this section, but the drunk driver would not.
Section C dictates that there is no coverage when the insured operates a vehicle while under influence of intoxicating drugs or alcohol, or allows someone one else to operate the vehicle while intoxicated. This means that if a drunk driver crashes their vehicle, their insurance will not respond to pay for it. These additional costs are another way to punish the offending driver.
What this means for the victims of the crash of a drunk driver?
The section of liability is not canceled by drunk driving, because if it was ruled that there would be no financial recourse for victims affected by the drunk driver. Therefore, if you are hit by a drunk driver, you can assume your damages will be covered assuming the assurance of drunk driver was in force at the time of loss. If you are a drunk driver, and you have an accident, your injuries and your vehicle will not be covered, in addition to criminal and administrative penalties, you will face.
Always consult your dealer if you have questions about. your car insurance policy
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