At the beginning of February in Taldykorgan, the driver of a Nissan Cefiro drove into the oncoming lane and collided with an Isuzu Saz bus. As a medical examination showed, the man driving the car was moderately intoxicated. The police noted that this is not the first case in the region since the beginning of the year.
According to the insurance company “Eurasia”, on average, they record about 100 accidents each month caused by drivers under the influence of alcohol or drugs.
“Considering that the driver was drunk, but took the driver’s seat and started driving, thereby violating traffic rules, the question arises: will the insurance company make an insurance payment in this case?
And the answer is positive, since the law does not provide grounds for exempting the insurer from insurance payments due to the fact that the culprit of the accident is under the influence of alcohol, drugs or substance abuse,” the experts explained.
However, they noted that this is not a reason to drive after drinking alcohol, hoping that you will not have to pay for the damage. After all, the same law states that the insurer of the person responsible for the accident has the right to claim back (recourse) within the limits of the amount paid.
“The right of recourse provided for by law applies to unscrupulous road users. A driver in a state of intoxication in this situation must bear full responsibility for his actions, including financial ones. The presence of an insurance policy should not and cannot be an additional factor in protecting a driver who has intentionally violated traffic rules and who caused the accident,” the insurers summed up.
