Drinking while driving and insurance

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If you drive your vehicle under illegal circumstances, your insurance is no longer valid.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.

The consequences of an accident on your insurance premium

All drivers, even the most experienced, can have bad luck on the road. Whether you hit a speed bump or other vehicle, an accident, by definition, is never intentional. But unintentional does not mean "not responsible." So that in some circumstances collisions may increase your insurance premium.

               It takes a responsible
                    If you are responsible
                    Your insurance company can help you


 It takes a responsible :

In the eyes of insurance companies, there is always a manager at an automobile accident, even if there is nothing you could have done to prevent it and if the officer determines that you have committed no crime.
If you are the only driver involved in the accident, you will automatically charge when you make your claim with your insurance company.
If you are involved in a collision with another car, the liability issue is complicated. If you call a policeman, he can usually determine who is responsible according to the Highway Code in force locally. Sometimes the driver's responsibility is clear.
If you hit the back of a car, you are responsible.
If changing lanes and have a side collision with a car that was in your blind spot, you are responsible.
In some cases, it will take the police or the insurer makes an investigation to determine who is actually responsible for the accident.

Anyway, if you are liable for an accident, it may increase your car insurance premium.

 If you are responsible :

If you have an at-fault accident, it will remain on your file 6 to 10 years. This means that your insurance premium may increase and therefore you may have to pay for this accident for years, in fact until it is deleted from your file; your premium will begin to decline.

The accident could be forgiven (but not necessarily "forgotten")

Most insurance companies offer a "forgiveness clause" to their clients.
Forgiven - If you are insured with the same company for some time and that your driving record is impeccable (you have had no accidents or tickets), then you may be eligible for the clause that requires your first at-fault accident be "forgiven." This means that your premium would increase only slightly.

But not forgotten - If you have another accident, get ready to pay the price.

Your insurance company can help you :

Even if an accident causes an increase in your premium, your insurance company can help you to ensure that it remains affordable. Inquire about discounts you may qualify and clever ways to reduce your premium.

What should be done when an accident occurs?

Get a driver's license, buy a car, secured, are the different stages of the unusual in the driver's life. On the other hand, face the accident is not one of the things that prepare for them. So what to do when he falls unless the account? These tips and tricks for the prevention and management of incidents with car insurance (vv c p t w).

1 / incident: how to deal

Each incident includes physical damage or bodily followed by compensation. When an accident of the car, you have to do to activate Tomenkm having convened and guarantees.

Theft, breaking glass, incident ... each incident procedures.

In any case you must be friendly use of the preview? Always. You must provide the believer always inspect your car filled properly, so that you can declare winning the incident. Always be sure of owning a copy in your car and in your home to avoid any emergency.

2 / Taatovrun on a few days to permit an incident

There is a certain period of the permit for an accident must be respected. Five days is the time available to you to notify the insurance company with all information related to the incident winning you. In the event of theft or attempted theft, they must Tsrhawwa them in a matter of two days after the occurrence.

In order to Taweidkm quickly, Mamenkm provide you with some information. Work to provide the following data with careful precision as much as possible:

The date and time and place of the accident.

Names of personal information for each of the insured and the persons involved in the incident and.

A description of the circumstances of the accident and the resulting losses.

Friendly preview will help you to provide your statement from baseline.

Be aware, never Tcherawa in making the necessary reforms to Mrkpetkm affected. If you are not responsible for the accident, you must prove losses by the expert evaluated.

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What you need to know with respect to the friendly inspection?

Upon the occurrence of the incident, you must keep calm, and in all cases careful to fill record loving (and if at the time of simple material losses). In the event of physical damage, the security forces will be the completion of a report is added to the preview.

Preview friendly is a final document, that is what that is Aamadaaha of the parties:

* Can not be modified,

* Binding on the parties. Can not then any party that claims that contrary to what is actually installed in the preview spent.

Fill preview and returned carefully read carefully before you sign it.

Preview filled with well facilitate the work of the faithful and thus speed up processing your file.

Key elements in a friendly preview:

There are three basic elements constitute a preview:

Intersection signs which serve to determine the responsibility of each driver,

Drawing who can provide additional information in the case not to put any mark in the boxes,

Notes that provide additional explanations and describe the nature of the conflict.

Also must provide identification information (name, address), and which is one of the important details for the believers.

Some tips concerning Friendly Preview:

* Should read the preview mode recruitment

* You must fill out the preview, in the place of the accident, by ballpoint pen so that each party gets easy to read copy.

* Must be mentioned witnesses, if found, to identify with their personal information.

* You must indicate the number of fields that have been marked for each driver.

* It is necessary to answer all the questions.

* Drawing must be implemented carefully (in the case of a contradiction between the drawing and the fields referred to, the precedence for signs of the intersection).

* Must preview signature of both parties.

* You must fill corner observations (in the event of a disagreement with the opponent, referred to in this context).

* Must never be an amendment to a preview of what the copies are separated.

The documents that must be in Hozatkm:

During the process of scrutiny of documents by a sworn agent, the required driver of the car always provide the originals of the following documents:

* driving license

* Gray card

* Insurance certificate (yellow card)

* The document technical inspection for vehicles older than five years

In the absence of these documents, the driver is exposed to criminal penalties.

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What should be done in the event of a traffic accident?

In the event of a traffic accident, five days before you Mamenkm to inform about the incident through a phone call or by written letter or in person with your presence. And you must specify the date and time and place of the accident accurately.

You also work as much as possible to reduce the consequences of the incident, Arise rid insured by the purposes and sure to maintain them after that.

No matter the size of the losses, whether material or physical, Arise, fill the friendly preview. This document is essential to ensure

A quick settlement of the incidents. Always keep a copy in the car empty.

When the insurer receives the preview, the appointment of an expert to assess the amount of the reforms. Experience generally are made in a matter of a week or two after reporting the incident. And the insured in general can determine a certain amount of reforms of the car before sending the experience.

If you guarantee subscribers in damage, whether you are responsible for the incident or not, will be Taweidkm all costs Dftm in order to repair the car, in the limits of the commercial value of the vehicle concerned. In some cases, can repair to the insured value exceeds the commercial value monitoring. If it belongs to you, it will be noted in the public or private requirements for holding.

If not in Tktaatbwa guarantee been damaged and prove your responsibility for the accident, you will not be able to benefit from any compensation. And if you do Tktaatbwa in the guarantee damaged and did not prove your responsibility for the accident, you will be Taweidkm within the limits of the replacement value of the car.

Compensation for bodily harm always preceded by medical expertise.

Compensation linked to the value of the extent of the physical and moral damage. As it is compensated persons transferred by the insured owner of the car in which they were on board when the incident occurred. This means that the civil liability insurance for car owner believes the passengers.