What happens in the case where someone hits another car while they have been drinking and driving? Does the other person go to their own insurance company? Does third party pay for the other persons car? Please advise.
If you have insured your vehicle through MiWay and are involved in an accident where the driver of your vehicle was under the influence of alcohol or drugs or has a concentration of alcohol in the blood exceeding the legal limit; or fails a breathalyser test; or refuses to give either a breath or blood sample the claim will be rejected as these are exclusions under our policy.
The other person who suffered damages should claim from their own insurer (providing they have insurance) who will entertain their claim and then institute a recovery on their behalf. The recovery will be against the person in their personal capacity if the claim was rejected by the insurer of the person who was driving under the influence.
The RAF only covers bodily injuries not material damages therefore the damages to the other party’s vehicle will not be covered by “third part” as referred to in your question.
Car Insurance Additional Information
MiWay offers flexible car insurance to cover losses primarily due to an accident or theft.
In addition to accident or theft, comprehensive car insurance in South Africa covers losses due to fire and explosion, natural disasters like hail and floods and damage to the vehicle’s glass.
Additional options such as car hire and cover for non-standard sound systems and car accessories can also be added to your car insurance policy.
Car Insurance is sometimes referred to as Vehicle Insurance or Motor Insurance.
