Posts Tagged ‘drunk driving’

Weekend drunk drivers a huge road safety risk!

drunk_road_Safety_riskMuch has been written about the dangers of drunk driving. That drunk drivers are responsible for too many accidents is no secret. These drivers not only place their own lives at risk but also those of other law abiding road users.

But when are these risks most prevalent and how can we protect ourselves from them?

The Arrive Alive road safety website has been required to provide advice and suggestions on the topic of drunk driving – and this is best done when supported with factual evidence. Some interesting insights have been revealed by the Fatal Crash Report compiled by the Road Traffic Management Corporation.

We would like to point to a few of these statistics from the 2009 Fatal Crash Report:

Total Fatalities & Contributory Factors

• Between 1 January and 31 December 2009 there were 13,875 fatalities on te roads of Soth Africa.
• The human factor contributed 82,85% to fatal crashes during 2009, vehicle factors contributed 9.13% and road and environmental factors contributed 8,02%.

Male v Female Fatalities

• In the order of 76,20% fatalities during 2009 were male and 23,80% females. 92,54% of all drivers killed in crashes were male and 7,46% female.
• Most fatalities were amongst road users between the age group 20-40 years and especially amongst those 25-35years of age.

Day of the Week and Time of Day

The information revealed shows that almost one quarter (23,86%) of the weekly crashes happen on a Saturday, and 59,65% of all fatal crashes happened over weekends from Friday to Sunday.

The following percentage of crashes occurred in the respective hours of the day :
• From 18:00 to 19:00 : 6,93%;
• From 19:00 to 20:00 : 7,81%; and
• From 20:00 to 21:00 : 8,27%,

which totals to 23,01%, almost one quarter of the daily fatal crashes.

Drunk driving and fatal accidents

Information provided by the Medical Research Council (MRC) shows that 61% of pedestrians and 59% of drivers killed in road crashes were under the influence of alcohol. This information is collected by the MRC from mortuaries around the country. In order to collect more reliable information in this regard, SAPS investigating officers have been encouraged to take breath sample tests at crash scenes.

Conclusion and Advice

The fatal crash statistics illustrates how younger divers are most at risk – and especially at times when alcohol is most likely to play a role. The most dangerous time for young drivers is in the evening and at weekends!!

We would like to plead with our drivers to be extra cautious when going on the roads during weekends and when they plan to attend parties and functions. Alcohol and youthful exuberance does not combine well with safe driving.

It is of extreme importance not only to rely on your own driving ability and fitness to drive – but also to consider the threats posed by others. To avoid car insurance claims and to protect your safety on the road we would like to share a few suggestions:

• Plan ahead if you are attending a function where you might consume alcohol
• Know the limit – and stick to that limit – consuming more than 2 drinks might take you over the limit.
• It is best to arrange for a designated driver to take you home.
• Consider acquiring a breathalyser and do self-testing to establish whether you are below the legal alcohol limit.
• Abide by the Rules of the Road at all times and avoid confrontational and aggressive driving.
• Do not speed, adhere to traffic signs and avoid distractions while driving!
• Consider that others might be less obedient – and consider the possibility of transgressions from their side.
• Do not expect others to stop at the traffic lights – remain vigilant and approach intersections with caution!!

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Drunk driving and car insurance

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Alcohol, driving and car insurance don’t mix!

Written on April 15th, 2010 by admin
Categories: Car Insurance Advice, Car Insurance Claims

NO-DRIVINGThis is not new information – we should all know by now that impaired or drunk driving is extremely dangerous! What might be news are the efforts from car insurance companies to place greater focus on communicating these risks to their clients.

I have received an email from a friend who received such correspondence from his car insurer and would like to share this on the Car Insurance Blog:

“Alarming statistics are proving that the 70% of road accidents and consequential deaths in South Africa is as a result of alcohol abuse.

Apart from the extensive consequences involved as far as your criminal record is concerned, you will also be tortured with the agonizing self-reproaching thought of you being the reason of a person’s (usually innocent) injuries, which could so often end up in disability, or death.

To complicate matters even more, it also entails a huge implication as far as your Insurance is concerned. Your Insurance Company will not indemnify you for any damages to vehicles or other property, should you be found guilty of driving whilst under the influence or exceeding the statutory alcohol limit. What’s more, you will not have any cover for Third Party Liability.

Insurance Companies have the right to insist on blood test results and they may also submit blood samples to a laboratory for analysis. They may even go so far as to appoint investigators to investigate the culprit’s whereabouts preceding the accident.

It is therefore wise to play safe and rather allow somebody to take you home, make alternative arrangements and if possible, to sleep over, than taking a change, which could cause you a lifetime of regret.

Your life, as well as that of others, is so precious and we should take extreme care of it.

We can: By starting to act responsibly!!”

We are pleased to find that car insurers share these warnings with their clients. More companies should be doing so – not to protect their financial well-being, but to protect the lives not only of their clients, but also that of other road users!

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South African Breweries

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Insured vehicle owners need a reality check about drunk driving

Written on December 21st, 2009 by admin
Categories: Car Insurance Advice, Road Safety, Safe Driving Tips

interv5It was revealed by the Department of Transport on the 17th of December that, since the start of December, more than 2 000 drivers were arrested for drinking and driving on South African roads. More than 500 were arrested in the Eastern Cape alone and a further 320 in KwaZulu-Natal.

In attempts to curb this drunk driving behaviour the Western Cape launched the Safely Home Anti-Drunk Driving Operations War Room (SHADOW). This facility which is sponsored by the SAB will assist with enforcement and is equipped to accurately measure a driver’s blood alcohol concentration level through a single breath sample.

It has also been revealed that the R50-million ‘reality check’ campaign is the largest investment to date by the SAB in raising awareness about the negative consequences of irresponsible drinking. Intended to be a complementary campaign to other external and internal programmes, both from SAB and other companies and strategic stakeholders (such as law enforcement agencies and government), the campaign aims to educate drinkers on the personal and societal consequences of drinking while pregnant and driving under the influence.

On the car insurance blog many of our visitors has come to the Blog via search engines by asking the question “Will my insurance pay if I drive drunk?”

At this time of the festive season, it is important not only to share and create awareness of the dangers of drunk driving, but also share a few realities with our insured car owners:

Will my car insurance pay if I drive drunk?

No – if it is found that you were driving drunk, your insurer may reject your insurance claim?

Will drunk driving affect my insurance premium?

Yes – if asked for previous convictions or traffic violations and it is declared that you were convicted of drunk driving, your insurance premium will be increased base on the higher risk that you present as a driver. Failure to disclose these facts will be fraud and may lead to your claim being rejected.

How much is too much to drink before exceeding the legal limit?

As a general guide more than 2 drinks will take you over the legal limit. There are however many variables that could affect your breath and blood measurement.

How much may I drink to be a safe driver?

The answer is NONE! Alcohol leads to impairment of driving ability and even the slightest impairment of driving ability, reflex, concentration and other ability presents a danger when faced with an emergency!

Ask yourself the following question – if I am suddenly faced with another vehicle coming into my lane and threatening my safety in an emergency – how alert and physically fit would I want to be?

Best advice is not to drink and drive! Get a designated driver or drink at home!

We would like to share the ads from the SAB Reality Check Campaign

Advert 1

Picture 1 of 5

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Drunk driving could sharply increase your car insurance premium!

Written on September 10th, 2009 by admin
Categories: Car Insurance Advice

DWI insurance premiumNext time you raise a glass in celebration, consider whether the next glass could also raise your risk of a drunk driving conviction and an increase in insurance premiums. Irrespective of whether we call it drunk driving, impaired driving or driving while intoxicated – fact remains that driving under the influence of alcohol is a contributing factor to many road crashes!

I have come across rather interesting information about the risk of increased car insurance premiums after convictions for drunk driving! Insurance.com, the largest online auto insurance agency in the United States warned drivers that driving under the influence is not only dangerous, but if you are stopped or get into an accident, your car insurance rates could increase by as much as 38 percent!

Even though this is data from the US – It is an indication to South African drivers about to the magnitude of risk associated with driving under the influence.

According to Insurance.com’s 2009 RateWatch data, the average lowest rate quoted to drivers with a Driving While Intoxicated (DWI) violation was $2,148 per year, $435 more than a driver with no violations. Drivers charged with a DWI who also are responsible for an accident received an average car insurance rate of $2,356, paying $643 more than those without violations.

“Insurance companies consider drivers with drinking violations to be extremely risky,” said Sam Belden, vice president at Insurance.com. “Drivers with drinking violations tend to be involved in more accidents, and the accidents are more severe. Some insurance companies refuse to insure drivers with these types of violations.”

The insurance rate quotes makes for fascinating reading:

2009 Average Rate Quotes Based on Driving Record

  • Driving Record (Quoted Premium*)
  • DWI ($2,148)
  • DWI + Accident ($2,356)
  • No Violations ($1,713)
  • All Drivers ($1,863)

* These Auto insurance quotes are based on the average of the lowest rate quotes by Insurance.com in 2009. Insurance.com completes quotes for more than one million drivers each year.

Drivers have also been warned of the additional risks of facing license suspensions, a criminal record etc.

[ Insurance.com is described as the top online auto insurance agency in the U.S., offering comparison auto insurance quotes consumers can buy online or by phone. By linking directly to the rating systems of fifteen top insurance companies, Insurance.com provides instant, accurate comparison rates that help consumers make smarter decisions about auto insurance.]

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Will my car insurance pay if I drive drunk?

Written on August 14th, 2009 by admin
Categories: Car Insurance Advice
Drunk Driving can be devastating!

Drunk Driving can be devastating!

Have you considered the effects that a few drinks too many might have on your car insurance? South Africa has a poor record on sober driving and many drivers are unaware of the impact that drunk driving might have on their pockets and their car insurance. Our drivers and especially our young drivers are not responsible when it comes to drinking and driving and it’s not just around the festive season or public holidays either, as drunk drivers cause accidents day in and day out!

What does your car insurance policy stipulate with regards to drunk driving?
Most car insurance policies contain specific clauses with regards to impaired driving. Car insurance policies usually stipulate that the insurer do NOT indemnify (or cover) you if you, or the driver of your car, do not have a valid driver’s licence, drives under the influence of alcohol or drugs, or while the percentage of alcohol in the driver’s blood exceeds the legal limit.

Consequences could include:

  • That the car insurance company has no obligation to meet your claim.
  • You may face huge fines, a potential prison sentence, a criminal record and may have to replace or fix your damaged car out of your own pocket.
  • The Road Accident Fund could refuse to pay out claims resulting from a drunken driving accident.
  • Your insurance company could decide that you are too high a risk for them to carry and refuse to continue your car insurance cover.
  • Your monthly insurance premium will go up rather heavily as you will be regarded as a high-risk driver.
  • If your driver’s license are suspended you will struggle to get car insurance anywhere.

The consequences could however be much more devastating. What if your vehicle is not crumpled up against a tree – but against the body of a breadwinner, wife or child? Would you be able to live for the rest of your life with the thought that your few moments of intoxicated pleasure ended a life for someone else?

We would like to urge all policyholders to visit the Arrive Alive website for more info on drunk driving. Think carefully next time before you decide to over indulge. Nominate a designated driver or arrange to stay over. If this is not possible then leave the car at home and make use of public transport!

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