So, if, for example, you’re driving in the early hours of the morning and crash, your insurer is certain to investigate whether alcohol was involved because an inference would be drawn - in a country with such alarming drunk-driving rates - that their client had been driving while under the influence.
Insurance investigators would refer to breathalyser tests, if conducted, interview family or friends, trawl through bank statements, cellphone records and tracker reports, and probably take a good look at your social media accounts too.Insurance policies entitle insurers to decline liability in cases where the driver was under the influence of alcohol or drugs, or had blood-alcohol levels exceeding the legal limit.
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