(Newswire.net — June 27, 2018) — Driving is an important life skill in today’s time. In Australia alone, there are more than 18 million registered motor vehicles. With road traffic increasing every year, it is relatively inevitable to have records of vehicular accidents. According to statistics, more than 70% of drivers have actually violated their insurance regulations. As a result, more than 15 million drivers had been voided from their car insurance.
In the case of an accident or car crash, insurers have the right to invalidate your contract under certain conditions. Thus, it is important to know the policies of your insurance company.
Here are things that might invalidate your insurance:
Driving Under the Influence of Alcohol or Drugs
Driving while under that influence of drugs or alcohol is a violation of the traffic laws. When it’s proven that you’re drunk or high during the time of the accident, you automatically nullify your car insurance.
Drivers holding a license needs to maintain a blood alcohol concentration (BAC) of 0.5 while on the road to get their insurance claim. On the other hand, newly licensed drivers with a P or L plates need to have a BAC level of zero percent. Insurers are really particular about this, so it is advisable to refrain from consuming such substances when driving.
Not Informing the Insurers about Any Car Modifications
If you have decided to upgrade and modify your vehicle, it is advisable to inform your insurance company. If you don’t, insurers will consider the car modification unauthorized and may establish it as a different entity from the car originally insured.
Every car has its limitations in terms of passengers and load. If you go beyond the limit, not only is that considered illegal, but it will also void your insurance. Before driving, you need to make sure your cargo and load are as prescribed by the car manufacturer.
Deficiency in Car Maintenance
Insurance is mainly used to aid drivers when they experience car accidents. However, it will become void if you intentionally cause an accident or if you act irresponsibly on the road. Part of your responsibility as a car owner is to make sure that your car is in perfect condition. Thus, you need to make sure that it undergoes checkups and repairs when necessary.
Driving Loosely with Pets
According to the Highway Code, animals and pets should be restrained appropriately while in the car. This is mainly to prevent any driving distraction. It’s also done to keep both the driver and the pet safe. It is advised to keep your pets in a seat belt harness, dog cage, or pet carrier to restrain them while you’re driving. Drivers who do not follow this protocol are not just violating the law but are also invalidating their insurance.
Final Thoughts
Insurance policies tend to be strict with the implementation of safety measures and compliance with road regulations. Since ignorance of the law is not enough of an excuse to justify from any misbehaviors and wrong actions, it’s important that you learn the traffic laws of your state and the regulations of your insurance company.