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This avoids the motor insurance policy even if blood alcohol content (BAC) is within the permissible limit. So, even if there is a permissible limit for consuming alcohol, one is most likely to be denied insurance.
Many motor insurance policies have clauses that deny claims if the driver has consumed alcohol, regardless of whether their BAC is within the legal limit. This can result in a claim being rejected after an accident.
Even small amounts of alcohol can significantly increase the risk of accidents. Driving with a legal BAC still makes one more likely to be involved in a crash compared to driving sober. So, it can affect the motor insurance.
Insurers often view any level of alcohol consumption as a contributing factor to the risk of an accident, making it a potential reason to deny or reduce claims, even if the BAC is below the legal limit.
Understanding the details of the insurance policy is crucial. Some policies may specifically state that any presence of alcohol in the bloodstream can lead to claim denials, even if one is within the legal limit for driving.