Does my car insurance cover me in an accident caused by driving under the influence of alcohol in Mexico?

The impact of drinking and driving: traffic light and accidented car as a warning

The coverage of car insurance for accidents caused by driving under the influence of alcohol in Mexico depends on the insurer and the specific terms of the policy. Here are some examples:

1. Quálitas:

   • If the driver is under the influence of alcohol or non-prescribed drugs, the deductible is doubled. If the doubled deductible is less than 10%, a minimum of 10% will be applied.

   • This means the insured must bear a higher cost before the company covers the damages.

2. Chubb:

   • The general terms of this insurer do not mention specific exclusions or deductible adjustments in cases of driving under the influence of alcohol. However, it is essential to verify the exact terms stated in the policy’s declarations page.

3. Zúrich:

   • Excludes coverage for commercial vehicles in these cases, meaning it will not pay for damages if the vehicle is used for public or commercial transport purposes. For personal-use vehicles, no exclusions are mentioned.

Why is it important to understand your policy’s specific terms?

Insurers may take different approaches to such cases:

• Some may increase costs (such as the deductible).

• Others may deny coverage depending on the vehicle’s use or the specific circumstances.

Practical example:

Luis has an "amplia" (comprehensive) coverage policy with Quálitas. One night, after drinking, he has an accident. Although his policy covers the damages, the original 5% deductible based on the vehicle’s value is doubled to 10%, meaning he has to pay more to cover the damages to his car.

Recommendations:

1. Avoid driving if you’ve consumed alcohol: Use a transportation service or a designated driver.

2. Review your policy’s terms: Specifically check clauses related to driving under the influence.

3. Act responsibly: Remember that driving under the influence of alcohol endangers your safety and that of others.

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