I crashed my car under the influence of alcohol.... can i still claim?

[willben19]

i was told recently that if i have a named driver on my policy there is still a chance to claim even though i was the driver and was convicted of drink driving... is there any truth in this before i dive into insurance t&c...?
thanks.

[mxyzptlk]

I would think that D and D will invalidate the insurance

[d9f1c7]

DD will not invalidate the insurance they will pay third party damage but you will be deemed to have caused the crash and as such they will not pay out to you, they may even launch a suit to recover any third party damage.

[flip_flop]

Crashing while under the influence will not affect the third party aspect of the claim.

Unless there is a 'drink and drugs' clause in your policy (which are rare, and therefore unlikely) and assuming you have comprehensive insurance, you will be able to claim for you own damage.

They will not pursue you for the damages they have to pay to the third party.

If d9f1c7 was correct (which he/she isn't) having a crash while speeding would also invalidate the own damage section as you would have been deemed to have caused the crash.

[EDDIE51]

I do not understand the significance of you asking about named drivers ? it has nothing to do with the question .

[cathfromsaron]

ditto any third party claims will still be paid.

[mickrog]

they will pay 3rd party ...nowt to you....and put any future premiums way up.......and quite rightly so.....

[flip_flop]

If you are comprehensively insured, they will pay for your own damage.

People who take a guess that your insurance company won't pay for your own damage are wrong - ignore them.

If their wrong guess was correct, it would also mean that an insurance company wouldn't pay for own damage if you crashed while speeding, or going through an amber light or using the phone - all are against the law.