Saturday 8 May 2021

Why does INS have a policy for drunk drivers?

Drunk drivers can buy protection for liability against third parties in the event of an accident caused while driving under the influence

Rico’s TICO BULL – Yes, the State insurer, the Instituto Nacional de Seguros (INS), has an insurance product for its customers (insured) who drive under the influence of alcohol – that is drive drunk.

The produce, called “extra prima del 20%”, is an insurance policy rider for liability coverings of type A (injuries) and C (material damages), the policy rider out for physical and material damages to third parties caused by a drunk driver with the rider.

- Advertisement -

The rider makes it possible that in the event of an accident caused by a drunk driver of an insured vehicle, the INS covers the damages. It even covers the death of third parties.

The product is not new, it has been around since 2009.

“It is a form of solidarity of the INS to respond to third parties who have been affected by an accident where the driver is an insured person (policyholder) driving under the influence of alcohol,” explained Wilberth Quesada, head of communications at the INS.

The INS spokesman pointed out that the product has as a spirit not to leave defenseless innocent people, who suffer damages or injuries due to negligence or lack of expertise of a driver in those conditions.

How much does it cost?

- Advertisement -

A little more than ¢58,000 colones (almost US$100 dollars) with a maximum pay out of ¢100 million colones per person and ¢200 million colones per accident for type A coverage and ¢40 million colones per accident for type C.

The “extra prima del 20%” only covers the damages to third parties and does not recognize the losses suffered by the insured.

Of course, for the payment to be issued, the INS carries out an investigation to make it clear that the claim is not a fraud .

Getting tough on drunk drivers

The rider does not guarantee that the drunk driver will not go to jail. Last December, the Fiscalía General and the Policía de Tránsito (General Prosecutor’s Office and the Traffic Police) announced to be more rigorous against drunk drivers.

The new protocol for drunk drivers is now they are arrested and subjected to a legal process like any other alleged criminal.

If a driver is allegedly detained because he or she has ingested liquor (or some type of drug), he ro she will be transferred to the corresponding Prosecutor’s Office according to the location. He or she will be arrested, taken to cells of the Judicial Investigation Organization (OIJ), a criminal file is opened (reseñado in Spanish) and processed immediately when they sober up.

- Advertisement -

Germán Marín, director of the Traffic Police, explained in December that the institutional criterion is that if a person is behind the wheel of a vehicle their consumption of alcohol must be zero.

“If what we want is to safeguard the physical integrity of ourselves or of third persons, the driver must be in optimal conditions,” he said.

That is all nice.

The realities

But the reality, however, is that the INS is saying to the population, don’t worry about drunk drivers on the road, we will have your back. And to the drunk drivers, “we’ll take care of that (third party liability) for you”.

I was recently at a private party, unlike a public bar, a place where guests pay to enter and can bring in their own alcohol.

What I saw what I had seen years before, people drinking away the night to then get in their cars and drive away. Nothing had changed over my years in the country. The message on drunk driving hasn’t hit home.

I don’t have the figures to back up my claim, based solely on my observations, but I can safely bet that in a majority of the major crashes occurring almost daily, excessive alcohol consumption was mostly likely involved.

Perhaps, in my opinion, the worst time to be on the roads in Costa Rica is just after 2 am, when most the bars around the country close. No bull.


- Advertisement -

We strive for accuracy in its reports. But if you see something that doesn’t look right, send us an email. The Q reviews and updates its content regularly to ensure it’s accuracy.

"Rico" is the crazy mind behind the Q media websites, a series of online magazines where everything is Q! In these times of new normal, stay at home. Stay safe. Stay healthy.

Related Articles

More than 15 thousand tourists have purchased INS travel insurance

QCOSTARICA - Since August 1, when Costa Rica announced the gradual...

Have you paid yours yet? 2.4% of vehicle owners have already paid their Marchamo

QCOSTARICA - According to the Instituto Nacional de Seguros (INS), in...


The Economist Sees Ortega Clinging to Power

TODAY NICARAGUA (Confidencial) Six months before the general elections in Nicaragua, The Economist Intelligence Unit (EIU) predicts that the regime of Daniel Ortega and Rosario...

Rainy season official commenced in the Central Valley this week

QCOSTARICA - If you have been putting, resisting to give in, to carry an umbrella, take note:  the rainy season of the Central Valley...

Mexico’s apology to indigenous Maya people: Progress or political show?

Q24N - Exactly 120 years after the battle that ended the last great Maya revolt in Mexico's Yucatan area, Andres Manuel Lopez Obrador marked...

Flexible vaccination triggers Costa Ricans travel to the United States

QCOSTARICA - The hook of six states promoting Covid-19 inoculation for tourists in the United States caught many Costa Ricans. They are Texas, Alabama, Arizona,...

Puerto Viejo, Limon, Costa Rica

  Photo by digitaltravelcouple, "In Puerto Viejo we were located on the sunrise side of Costa Rica so we watched (sic) as many sunrises as...

Improvements begin at Quepos airport

QCOSTARICA - With the objective of boosting connectivity, regional tourism and the economic reactivation of the area, work started this Wednesday on the improvements...

The digital currencies that matter

Q REPORTS (The Economist) Technological change is upending finance. Bitcoin has gone from being an obsession of anarchists to a $1trn asset class that...

Two people die every day in Costa Rica in traffic accidents

QCOSTARICA - Two people die, on average, every day in our country due to road accidents, collisions, or rollovers, according to a report from...

Colombia: Riots leave at least 19 dead and more 800 injured in five days

QCOLOMBIA – The violence registered in different cities across Colombia during the last five days of massive protests against the controversial tax reform, has...


Get our daily newsletter with the latest posts directly in your mailbox. Click on the subscribe and fill out the form. It's that simple!

Log In

Forgot password?

Forgot password?

Enter your account data and we will send you a link to reset your password.

Your password reset link appears to be invalid or expired.

Log in

Privacy Policy

Add to Collection

No Collections

Here you'll find all collections you've created before.