Around 25% - 30% of all accidents at the workplace or on the way to work happen under the influence of alcohol. Involved persons quite often underestimate the judicial implications.
A succinct reference to being covered by insurance is quite often not the whole truth.
An accident that happened under the influence of alcohol is quite often not covered by insurance, even if the involved person did not caused the accident. Problems often arise as possible claims of the victims are often denied due to the victim’s alcohol consumption. This can go as far as denied pension schemes, e.g.
When exactly can insurances deny their coverage?
Drivers are regarded as unfit for driving from a blood alcohol level of 1.1‰. Unfitness for driving counts as the constitutive cause of an accident and therefore insurances coverage can be omitted completely
BUT
even with results under 1.1‰ the insurance can deny coverage, if unfitness for driving is lawfully assumed as the essential cause for the accident. Even a blood alcohol level of 0.4‰ can result into an assumed unfitness for driving. As evidence might count the style of driving before the accident, high-speed or wiggly driving or the conduct of the driver after the accident.
In any case, it’s the testimonial of other people that count and are hard to challenge.
These above mentioned judiciary principles do also apply to cyclists and pedestrians. Unfitness for a pedestrian, however, does not start below 2.0‰.
Protect yourself and your staff from claims for damages.
Your help in personnel management - COSMOS-ALCOHOL-TESTER.
CA 6020 / CA 8120
are the recommendation if you need to involve staff associations and documentation of the measurement result are required or the results are needed for potential judiciary claims or notices against a member of staff.
CA 8010 / CA 8005
function as easy companion, as they are small, manageable and reliable. They can be carried in the pocket of jacket or shirt and be easily and quickly applied when in doubt. It offers immediate control of the work fitness of drivers, machine operators or storage workers.
Your personal safety guardian is as small as a mobile telephone, only 130 grams light and very reasonable in price.
