Bin ich versichert, wenn ich betrunken bin?

von carlos | Mittwoch, 16. Mai 2012 | Thema: Allgemein

Gute Frage, denn verschiedene Versicherungen behandeln das Thema durchaus unterschiedlich. Krankenversicherungen ist das Thema weitgehend egal, bei Haftpflichtversicherungen oder im Unfallschutz kann das aber ganz anders aussehen. Bei Haftpflichtversicherungen kann das je nach Schaden als grobe Fahrlässigkeit gewertet werden, wobei dann der Versicherer nur anteilig haftet. Wie hoch dieser Anteil dann ist, ist Ermessenssache und landet nicht selten vor Gericht.

Bei vielen Unfallversicherungen gibt es einen Ausschluss für Bewusstseinsstörungen durch Alkohol. Dann hat man da natürlich keinen Schutz. Gute Unfallversicherer erkennt man daran, dass auch alkoholisierte Unfälle mitversichert werden. Natürlich seid ihr auch hier versichert, wenn ihr den Studentenschutzbrief habt.

Alkoholisiertes Autofahren ist ebenfalls ein kritisches Thema. Wenn ein Unfall zweifelsfrei auf Alkohol zurückzuführen ist, dann greift die Trunkenheitsklausel und die Versicherung ist leistungsfrei.  Ab 1,1‰ wird pauschal auf Fahruntüchtig entschieden, da gibt es keine Ausreden. Aber selbst bei Alkoholwerten unterhalb der 0,5‰-Marke wackelt der Versicherungsschutz nach einem Unfall. Auch hier wird kann grobe Fahrlässigkeit unterstellt werden und der Schaden nur anteilig ersetzt werden. Wer also Auto fährt und versichert sein möchte, der lässt tatsächlich am besten die Finger von der Flasche…

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