Let us consider 2 instances of drunken driving.
Situation 1: You are driving your scooter in an inebriated condition. You are not able to focus, your vision is blurred. You do not see a speed bump on the road and drive over it at high speed. You lose control of the vehicle and fall off. Your scooter falls apart in several places and you are severely hurt. The hospital you are taken to confirms that you were driving while drunk. Would you be able to on the scooter damage and use the accident rider for your medical expenses?
Situation 2: You are driving a bike while under the influence of alcohol. You are pretty buzzed and can't clearly see where you are going. At a steep bend on the road, you suddenly you come face to face with another bike - you realize you had been driving on the wrong side of the road, but it is too late to do anything. You slam into the bike and both of you are thrown off the vehicle, and suffer grave injuries. Your bikes are in bad shape too. The other party's family files a case against you for damage and you are liable to pay her Rs.8 lakh as damages for both her and her bike. You are hoping to claim a big sum from your insurance provider. Will your insurer cover both of these claims?
The answer to the above questions is not straightforward. To understand the intricacies of the insurance provider's onus in a drunken driving incident, let us take a look at some important facets of the issue.
Many companies reject the claims outright, while some may consider paying out the entire claim amount or a part of it in case your blood alcohol content is not high enough to be considered drunk. The result may be different for each person depending on the situation of the accident and the severity of the damage.
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