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Originally Posted by grbelja
If you can prove that the accident was caused by factors other than Alcohol regardless of your BAC (within limit as at some point alcohol would have slowed your reaction time etc) then you will be covered. If you are deemed to be under the influence of alcohol and this is the main cause of the accident then you will lose you claim. Also, everyone reacts differently to alcohol and some are able to not show signs of being under the influence even if they are over the legal BAC limit.
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although everyone does react differently to alcohol the BAC is road legistlation and if you are over the BAC you are legally not allowed to drive. Under insurance clauses this would be more than enough to decline a claim as legal acts or omissions are an instant declinature reason.