Breath Alcohol Test Result: 13 Mg.% Insurance Refuses to Pay Using the Same Old Excuse of “Retrospective Alcohol Calculation”

DUI cases no driver ever wants to face one, especially when they truly weren’t drunk. Unfortunately, that wish rarely aligns with reality. Nowadays, when an accident occurs, drivers are often quickly accused of driving under the influence.
Insurance companies frequently manipulate “retrospective alcohol calculations”, inflating the driver’s blood alcohol level beyond the 50 mg.% legal limit and then refusing to compensate for damages.

At Wongsakorn Law Office, approximately 90% of DUI clients we handle were unfairly accused because insurers retroactively calculated alcohol levels. Even when drivers insist they weren’t drunk, once the reading exceeds 50 mg%, insurance companies automatically deny coverage leaving the driver to face both criminal charges and financial loss.

Case Example: Insurance Company Denies Claim Using the Same Excuse

In this case, the victim had a breath alcohol test result of only 13 Mg.% immediately after the accident. Despite this, the insurance company refused to cover any damages, falsely claiming that the actual alcohol level exceeded 50 Mg.%.

Feeling that this was unfair, the victim filed a complaint with the Office of Insurance Commission (OIC). However, the insurer stood firm and continued to deny responsibility. Exhausted and frustrated, the victim turned to Lawyer Arm, a legal expert in automotive insurance law, who took the case and successfully pursued compensation for the client.

Our office strongly advises victims not to face such cases alone. Consulting a lawyer ensures you’re protected from unfair settlements and the emotional toll of dealing with a DUI accusation especially when you weren’t at fault.

Understanding the Law: 4 Cases Where 20 Mg.% = “Intoxicated”

According to the Ministerial Regulation No. 21 (B.E. 2550) under the Land Traffic Act B.E. 2522, a blood alcohol concentration exceeding 50 Mg.% is legally considered intoxicated.
However, in the following four cases, exceeding 20 Mg.% is already considered “drunk”:

1. Drivers under 20 years old

2. Drivers with a temporary license (2-year license)

3. Drivers holding a license of a different category

4. Drivers with revoked or suspended licenses

While the new traffic laws (2023 revision) clearly define these limits, the most effective prevention remains simple: do not drink before driving. Compliance with traffic laws and awareness of alcohol effects will greatly reduce DUI cases and accidents.

DUI Cases – A Common Legal Battle

DUI insurance disputes are among the most frequent cases we receive. Despite being featured on high-profile media such as #HoneKrasae, insurance companies continue using unfair tactics notably retrospective alcohol calculations to evade payment.

“Retrospective Calculation”  A Questionable Tactic

This tactic involves delaying alcohol testing after the accident, then using the theory that alcohol levels drop by 15 Mg.% per hour to estimate a higher concentration at the time of the accident.
This manipulation has drawn many consumer complaints, as it’s clearly unfair and exploitative toward victims who were not intoxicated.

Many clients find themselves accused of DUI even without drinking at all, labeled as “drunk drivers” with alleged readings above 50 mg%. Such conduct not only harms victims financially but also damages their dignity and trust in the insurance system.

Ultimately, many victims who never intended to file lawsuits end up having to do so simply because insurance companies refuse to take responsibility from the start.

Legal Advice from Wongsakorn Law Office

If you’re in a similar situation where your insurer uses retrospective alcohol calculations to deny payment don’t waste time arguing or handling the claim yourself. Consult an experienced lawyer immediately.
You can reach out to the Lawyer Arm or contact Wongsakorn Law Office directly through our official page, “Law & Motor Insurance.”

When “Alcohol” Becomes a Key Issue in Insurance Disputes: Case Studies and the Strategy of Retroactive Alcohol Calculation?

In the realm of insurance disputes, policyholders often face legal tactics and interpretative strategies from insurance companies that may unfairly impact their rights. One recurring issue is alcohol, which is frequently used as a reason to deny compensation claims.

A noteworthy case from Wongsakorn Law Office highlights how an insurer employed the strategy of retroactive alcohol calculation to deny liability even though the policyholder had not violated the law at the time of the incident.

Case Study: An Unexpected Accident and the “Retroactive Alcohol Calculation” Issue

 One client was involved in a minor accident with an expressway authority vehicle while driving home from work. After immediately contacting the insurer, the client was told that the claims officer could not access the expressway and instead requested the client to meet at ground level causing nearly a one-hour delay.

When the insurance officer arrived, they insisted on a blood alcohol test. The client cooperated and the test showed only 39 mg.%, below the legal limit of 50 mg.%. The police charged the client merely with “reckless driving.”

Surprisingly, nearly a month later, the insurer denied coverage, citing alcohol involvement and even demanded that the client reimburse damages already paid to the third party.

Legal Issue: Alcohol and Insurance Disputes
According to Thai traffic law, drivers over 20 must not exceed 50 mg% blood alcohol level. In this case, the client had only 39 mg.%, well below the limit. Yet the insurer relied on this as grounds for claim denial.

The company further applied the tactic of retroactive alcohol calculation, assuming that the client’s alcohol level at the time of the accident could have been higher than at the time of testing (due to the one-hour delay), despite actual test results showing compliance with the law.

Exposing the “Retroactive Alcohol Calculation” Strategy

 The insurer argued based on average scientific data that the human body metabolizes alcohol at 10–15 mg.% per hour. Thus, if the test showed 39 mg.%, the company claimed the actual level at the time of the accident may have exceeded 50 mg%.

However, in reality, alcohol metabolism depends on numerous factors: body weight, gender, drinking interval, and metabolic rate. Ignoring these variables, insurers exploited this calculation method to deny compensation unfairly.

Consumer Impacts
For the insured party, the consequences were severe:

·No car repairs as promised in the policy.

·Forced liability for damages already paid to the other party.

·Wasted time awaiting the insurer’s response for nearly a month.

·Erosion of trust in the insurer.

This case underscores how consumers can be disadvantaged by complex legal strategies unless supported by an experienced insurance lawyer.

Lessons Learned from Retroactive Alcohol Calculation Disputes

1.Don’t be complacent – Even if you believe you complied with the law, insurers may exploit loopholes.

2.Review policy terms carefully – Clauses relating to alcohol can be used to deny claims.

3.Don’t fight alone – Alcohol-related insurance disputes involve complex legal arguments. A specialized lawyer is essential.

4.Keep thorough records – From reporting the accident to alcohol testing, documentation is vital for legal defense.

Protect Your Rights with Legal Guidance

 This case demonstrates that alcohol-related insurance disputes don’t end with a simple test result. Hidden strategies like retroactive alcohol calculation may strip policyholders of their rightful benefits.

Having a lawyer or legal advisor from the beginning greatly increases the chances of fair treatment against powerful insurance companies.

In the world of insurance disputes, “legal knowledge” is the best shield, and “lawyers” are the safeguard against unfair corporate tactics.

👉 If you or someone you know is facing such unfair strategies, don’t wait. Contact us today for immediate legal consultation.

Line @ คลิก! โทรหาเรา คลิก!