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Originally Posted by jzr
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.
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I thought the same but then after reading some of the cases on the Insurance Ombismans website - I was amazed at what people were getting away with. One guy blew over 0.12 and then was taken to the police station for an official reading (as the hand held meters dont hold up in court to well). Once at the station he refused to blow into the machine until he had a friend witness the event (apparantly thats legal to do) - in the meantime he abused a police officer and was charged with that offence but as the breath test was now 2 hours after the event of the accident they could not arrest/fine him.
His insurance was paid. Unbelievable!!