In the first step, the insurance company pays. But in the second step, the polluter has to pay. How much exactly the drunk driver has to pay back to the insurance company is checked in each individual case. If you step on the gas with alcohol in your blood and cause an accident, you have to reckon with having to pay for the damage.
Accident Caused By Alcohol At The Wheel: Individual Cases Will Be Examined
The insurance company checks exactly how much fault the driver has. The focus is also on the question: could the accident have been prevented if the driver had been sober?
Alcohol Accident: More Alcohol, More Problems
According to the Traffic Court Day, the insurer may cut half of his benefit for a value between 0.5 and 1.1 per mille. If the value is higher, the insurer does not have to pay anything. This is true for the Dui Insurance for Drunk people as well.
Even If The Insurance Company Pays, It Will Be Expensive
Even if the insurance covers the damage to the victim of the accident, the person who caused the accident is then taken into recourse: the insurance can claim back up to 5,000 dollars. The driver must pay for the repair of his own vehicle out of his own pocket.
That Is In The Insurance Contract For Alcohol At The Wheel
There is a separate clause on alcohol consumption in the insurance contract: the “drunkenness clause”. This informs the insured that car insurance is released from its obligation to pay if the car is drunk.
The insurer is free from the obligation to provide benefits in motor vehicle liability insurance if the driver is unable to drive the vehicle safely due to the consumption of alcoholic beverages or other intoxicating substances. With the “drunkenness clause” every driver is given the “obligation” to drive a car only when it is sober. Anyone who violates this so-called “duty of liability” loses: namely, in the worst case, his insurance covers.
What Are The Legal Penalties And Fines?
The Road Traffic Regulations impose fines ranging from 500 dollars up to 0.5 per thousand to 3,000 dollars up to 1.09 per thousand. Already from 0.3 per mille in the blood there is a risk of the driver’s license being withdrawn, a fine and points in the Flensburg traffic offender database. Repeat offenders are also obliged to take part in the Medical Psychological Examination colloquially known as the “idiot test”.
Driving Ban For Several Months
Anyone who gets behind the wheel with 1.1 per mille or more is even committing a crime: in this case, driving license and even imprisonment are imminent.
Would You Have Known?
The body only breaks down about 0.1 per mille of alcohol in the blood per hour. 1.1 per mille means absolute inability to drive.
Attention: When a person is unable to drive depends on individual factors. So it may well be that someone is considered unfit to drive even with a far lower alcohol percentage. The legal alcohol limit and the catalog of fines are independent of the underwriting considerations. How car insurance rates damage after driving with alcohol behind the wheel does not depend on the legal regulations.
Motor vehicle liability insurance: This applies to alcohol accidents
If a drunk driver causes property damage and personal injury, his motor vehicle liability insurance covers the damage to the victims. However, the alcoholized driver can be taken back by his insurance company, in principle up to a limit of 5,000 dollars.
After Alcohol Accident: Comprehensive Insurance May Reduce
The fully comprehensive insurance company can reduce the benefits to its customer without a limit if the customer was drunk. If the degree of alcoholization is between 0.3 and 1.1 per mille relative incapacity to drive, alcohol-typical symptoms or alcohol-related driving errors must be present, for example, when the driver drives serpentine lines or strays from the road. Depending on the level of fault and alcoholization, the reduction rates are between 50 and 100 percent. Above 1.1 per mille, absolute inability to drive is assumed to be irrefutable. In such cases, the reduction rate is 100 percent.
Driving Under The Influence Of Alcohol, Drugs And Medication
Driving under the influence of alcohol, drugs and medication that impair your ability to drive is an offense in almost all countries in the world. However, the sanctions for exceeding the specified blood alcohol concentrations and trips under the influence of drugs and medicines differ considerably from country to country.
Effect Of Alcohol On The Road
There are different limit values in different countries, from which driving under the influence of alcohol is punished. These detection limits are often misinterpreted in such a way that driving ‘below’ is permitted. Since alcohol consumers often make decisions about driving after alcohol consumption, based on subjective assessments of their fitness to drive, based on subjective assessments of their fitness to drive, either habitually or based on current stress factors, incorrect decisions are inevitable.
People who are addicted to alcohol often feel above 1 per mille and, depending on their level of habitation, still, absolutely fit to drive at two and 2.5 per mille. Such misjudgments explain the dangerousness of alcohol on the road as well as the doubtful, but often very solid learning experience, that alcohol driving very often “goes well”, i.e. does not lead to an accident phenomenon of the so-called dark number. People with this learning experience represent a high-risk group because they deduce from their personal undisclosed figure that driving under the influence of alcohol is actually not dangerous. Alcohol impairment begins with a low dose and increases significantly with alcoholization. They are best researched from all intoxicants.
Changing Perception Under The Influence Of Alcohol
The sensitivity of the eye to glare is increased because the pupil closes too slowly in the event of sudden light incidence oncoming headlights. Most alcohol rides take place at night. This significantly increases the risk of accidents. The distance estimate becomes unreliable because the eye lens no longer switches from close to far under the influence of alcohol and vice versa. The drunk driver often drives too close.
The speed estimate becomes unreliable because the brain automatically calculates the speed from the perceived change in distance and the elapsed time. The field of vision is narrowed, the so-called tunnel vision appears. Information from the edges of the field of view pedestrians, vehicles approaching us from the side are perceived much more poorly.
Under the influence of alcohol, it takes much longer for a perceived situation to be recognized as a danger.
Restricted Capacity To Act
The reaction speed slows down even with small quantities, the effect increases drastically with larger quantities. If the danger is perceived, the reaction is delayed. The safe execution of the necessary reaction when it finally occurs is considerably worse.