1. Accident Benefits Claims:
Depending on your policy's terms, your car insurance may still provide accident benefits coverage for medical treatment and related expenses resulting from the accident.
2. Third Party Liability Coverage:
Your car insurance will still cover third-party liability claims if the accident causes injuries or damages to other people or their properties, up to your policy limits.
3. Collision and Comprehensive Coverage:
Collision and comprehensive coverage, if included in your policy, may still apply if the accident is not determined to be caused solely by your impairment. However, most insurance companies in Ontario have specific exclusions or limitations for damages resulting from driving under the influence. Your policy may state that coverage is reduced or denied for damages to your own car if the accident is directly caused by your impairment.
4. Driver Risk Rating and Surcharges:
Getting caught driving impaired can significantly affect your driver's risk rating in Ontario. Impaired driving convictions typically lead to higher insurance premiums, surcharges, and more restrictive coverage options. Additionally, a conviction for driving while impaired can impact your ability to obtain or renew a driver's license.
5. Potential Denial or Cancellation of Coverage:
In some cases, insurance companies may deny coverage or cancel your policy altogether if you are convicted of driving while impaired. This can happen if your impairment is deemed a gross violation of the terms and conditions of your insurance contract.
6. Legal Issues:
Driving while impaired is a serious offense in Ontario and carries consequences beyond insurance implications. You could face criminal charges, hefty fines, driver's license suspension or revocation, and potential jail time.
It is crucial to understand the impact of driving while impaired before getting behind the wheel. The repercussions can be far-reaching and have lasting negative consequences on your insurance, driving privileges, and personal life.
