Do not drive if you drink alcohol. This is a clear and precise message. Drinking and driving kills. Everyone knows why it should not drive under the influence of alcohol or drugs and the penalties provided by law. Nevertheless, most people do not know the consequences of drinking and driving on their car insurance.
Property damage
Individual Insurance (Ontario)
Increased insurance premiums
Altogether
Property damage
If you drive your vehicle under illegal circumstances, your insurance is no longer valid. In other words, if you drive drunk and have an accident, in addition to suffering the penalties imposed by law, you are potentially liable for damage to your vehicle or that of third parties.
Individual Insurance (Ontario)
Remember individual insurance if, unfortunately, you hurt someone. The insurer will pay the injured person for medical expenses needed immediately and then you continue to get compensation. Requests for compensation for personal injury, however slight, can easily cost millions of dollars.
Increased insurance premiums
You were arrested for driving while intoxicated, you paid your fine, you're fired without accident, but it is now time to renew your policy. You will suffer the consequences of DWI (driving while impaired) for many years.
Your driving record is automatically deleted after a DUI charge and you must start over and win the trust of an insurance company. Consequently, your premium can double or triple in the first year after the offense and stay higher than normal for at least 6-10 years following. This can add up to thousands of dollars over the years.
Altogether
Drinking and driving can cost you dearly, but it's nothing compared to the suffering that you may cause. If you drink alcohol, do you find a designated driver.
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