Is my motor insurance void after failing to give a breath test ?

October 27, 2017 · Posted in FAQ 
motor insurance
gingerd asked:

I have recently been convicted and banned from driving for failing to give a breath test. I crashed into a gate and caused damage to my car. My insurance company are refusing to pay out as they say I was drink driving and refer to there terms and conditions.

After reading there terms and conditions there is nothing regarding failing to give a breath test, after all they are 2 different convictions.

Can my insurance company legally refuse to pay out if nothing regarding failing to give a breath test is in the terms and conditions ?


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3 Responses to “Is my motor insurance void after failing to give a breath test ?”

  1. Terry G on May 23rd, 2010 9:46 am

    Yes, especially if you were cited for it. If you were cited for failing to give a breath test, then you in essence conceded to drinking and driving. Even if they were different charges, they were still ‘convictions’.

  2. UCANTCME on May 25th, 2010 7:03 pm

    Exactly what your insurance company legally can do varies from state to state and depends on the insurance law of your state, but your insurance company may cancel or decline to renew your policy, restrict coverage provisions or, at a minimum, increase your premiums.

    Although the amount of increase can vary greatly, your premiums could go up as much as 100 percent or more.

    How your insurer reacts to your drunk driving may be worse if you have other strikes against you, such as previous drunk-driving convictions, traffic tickets, at-fault accidents, late or unpaid insurance premiums or other negative history with the insurer.

  3. Rachel W on May 27th, 2010 11:05 am

    YOU SHOULDN’T BEEN DRINKING AND DRIVING. THAT IS HOW PEOPLE GET HURT OR KILLED. Yes the insurance company can refused you claim. You were stupid and you shouldn’t have been drinking and driving. Because of people like you my child who was a month old got killed. Now I have to live on without her, because of stupid idiots like you. I am glad that the insurance company refused your claim. Maybe you will learn from this mistake.

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