• Facts That You Need To Understand About Drink And Drive In Two Wheeler Insurance

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    We spend so much time on internet in doing research on buying the best bike and looking for dealers who would give great discounts and so on. But we often tend to ignore the importance of two wheeler insurance and some of the safety tips that one should follow while riding a bike. If having all the documents in place like registration certificate, driver license, two wheeler insurance, etc. in your bike, knowing how to drive safe while following traffic rules is also equally important.

    The law mandates that every vehicle owner should have the minimum third-party insurance. It is highly recommended by the law, insurers and dealers to get a bike insurance which protects you from any sort of financial loss or legal tangle that may arise out of a mishap or accident involving your bike. To give you such kind of protection, it is possible only with a comprehensive policy which not only provides protection against accidents, thefts, third-party liabilities, own damage, earthquakes, floods, storms, fire, volcano eruptions, burglary, riots, protests, etc. but will also give you a peace of mind and sense of security while you ride. But please know that this insurance is applicable only for a responsible driver and this too has some exclusions.

    The hit and run case have increased rapidly and there are some big names involved in this as well. However, in most cases the hit and run case are mostly because the rider of the vehicle was intoxicated with drugs or alcohol. If regular accidents (where a rider would drive fast and has hit another vehicle or person and ended up injuring him/herself and the other person), are so serious and dangerous, the consequences of riding a bike under the influence of alcohol or drugs is even more dangerous and life threatening.

    In such incidents, even though you have a two wheeler insurance, no insurance provider would accept your claim for the damages caused to you and for the body injuries you may have been suffering. If you are claiming, it is unfair and unethical on your part because it was you who was riding the vehicle under poor judgment capacity. Every insurer investigates the claim before it is approved, so be careful before you claim for such instances.

    You may like to read: Fun Facts About Bike Safety

    The intricacies you should know about drink and drive in India:

    • Drink and Drive is a criminal and punishable offence in India. If you are consuming alcohol before you drive then you blood should not contain alcohol more than 0.03%. So if caught by the police on a random check, if the alcohol percentage is more, then you will be fined for the same.
    • If you are driving while your alcohol percentage is more than 0.03% and end up in an accident because of negligence driving due to the alcohol effect, then you cannot claim insurance and you will be held responsible for any damage or injury or death caused to the other person or property. This may lead to police case as well.
    • If a third-party person suffers death due to your negligence, then the law mandates that you pay a compensation to the victim’s family and you may be imprisoned as well.
    • If you own a third-party insurance, where the policy covers for the damages or bodily injuries caused to the third-party, it also cannot be claimed by you as the clause in the policy specifies that riding under the influence of drugs and alcohol is excluded from the coverage. Riding while intoxicated if an illegal activity and it is the fault of the rider who chose to ride while he was not in a condition to ride.
    • Most of the companies reject the claim or reimbursement immediately. But there are few exceptions when the law rules that the insurance company has to pay a part of the claim if the person who was riding the bike did not consume alcohol in high percentage. But this is subject to the nature of the accident and the persons involved in it.

    Nowadays, there are many advertisements which promotes the idea of traveling by a cab to reduce the traffic by pooling the ride and taking a cab if he/she has consumed alcohol so that no life is harmed. It is important to understand that riding is fun for sure, but it risks many lives whether you are traveling along or with a friend. Ride safe and stay responsible.

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