1
00:00:00,200 --> 00:00:03,800
Speaker 1: Jersey and Amanda jam Nation and a woman from the

2
00:00:03,880 --> 00:00:04,800
Speaker 1: Hunter Valley.

3
00:00:05,080 --> 00:00:07,760
Speaker 2: It remains at a coma after falling and hitting ahead

4
00:00:08,039 --> 00:00:09,480
Speaker 2: while holidaying in Thailand.

5
00:00:10,039 --> 00:00:12,440
Speaker 1: And this is a terrible it's a terrtoring story.

6
00:00:12,520 --> 00:00:16,160
Speaker 3: Lad and her family trying to raise funds to fly

7
00:00:16,280 --> 00:00:19,040
Speaker 3: her home. And this is why they can't afford to

8
00:00:19,079 --> 00:00:23,159
Speaker 3: do it. Their travel insurance company, they were insured, but

9
00:00:23,200 --> 00:00:26,720
Speaker 3: it used bar tabs and CCTV footage to determine she

10
00:00:26,760 --> 00:00:29,040
Speaker 3: was too drunk to cover her hospital bills. So what

11
00:00:29,160 --> 00:00:34,360
Speaker 3: happens here is that they she wasn't She wasn't tested

12
00:00:34,360 --> 00:00:37,279
Speaker 3: for alcohol and hospital content, none of that. But what

13
00:00:37,320 --> 00:00:40,800
Speaker 3: the insurance company has done is it looked at the

14
00:00:40,800 --> 00:00:45,040
Speaker 3: bar tab the show she'd had nine long iced iced teas,

15
00:00:45,640 --> 00:00:47,879
Speaker 3: then used the bar tab to determine that she had

16
00:00:47,880 --> 00:00:50,240
Speaker 3: a blood alcohol level of point three five.

17
00:00:51,080 --> 00:00:52,040
Speaker 1: She's on holidays.

18
00:00:53,040 --> 00:00:56,400
Speaker 3: I assumed your travel insurance covered you no matter what happened,

19
00:00:56,440 --> 00:00:59,280
Speaker 3: unless you had a level of if you're driving or

20
00:00:59,320 --> 00:01:04,600
Speaker 3: doing something like that, But the insurance companies say that

21
00:01:04,640 --> 00:01:08,360
Speaker 3: they won't cover you if you're like the insurance company's

22
00:01:08,400 --> 00:01:11,760
Speaker 3: product disclosure statement suggested that the blood alcohol concentration a

23
00:01:11,840 --> 00:01:14,640
Speaker 3: point one nine or above. That's four times I legal

24
00:01:14,720 --> 00:01:19,200
Speaker 3: driving limit would avoid an insurance claim. That's four standard

25
00:01:19,280 --> 00:01:23,520
Speaker 3: drinks for female and five from male. If you're on holidays,

26
00:01:23,600 --> 00:01:25,640
Speaker 3: chances are you might be having more than that. Let's

27
00:01:25,640 --> 00:01:27,160
Speaker 3: not get to the morality of how much you drink

28
00:01:27,200 --> 00:01:29,160
Speaker 3: on your holidays. Lots of people go on holidays and

29
00:01:29,240 --> 00:01:33,440
Speaker 3: drink this much. So apparently this is what most insurance

30
00:01:33,640 --> 00:01:35,039
Speaker 3: policies say.

31
00:01:35,040 --> 00:01:37,360
Speaker 1: You look at the footage of this poor lady, she's fallen.

32
00:01:37,520 --> 00:01:42,360
Speaker 1: She mistook a balcony for a step like.

33
00:01:42,560 --> 00:01:44,360
Speaker 3: She's and wasn't aware that there was a fall on

34
00:01:44,360 --> 00:01:44,880
Speaker 3: the other side.

35
00:01:45,520 --> 00:01:48,160
Speaker 2: Things fallen down, But that to me looks like that

36
00:01:48,200 --> 00:01:50,160
Speaker 2: could have happened to anyone, no matter how many drinks

37
00:01:50,240 --> 00:01:50,560
Speaker 2: you had.

38
00:01:50,680 --> 00:01:54,240
Speaker 3: Well, this is most travel insurance policies have an exclusion

39
00:01:54,280 --> 00:01:56,320
Speaker 3: along the lines of this, we will not pay for

40
00:01:56,360 --> 00:01:59,560
Speaker 3: claims arising directly or indirectly from any conduct engaged in

41
00:01:59,600 --> 00:02:02,880
Speaker 3: by you whilst under the influence of alcohol or drugs.

42
00:02:03,280 --> 00:02:07,680
Speaker 3: So are you even aware that your heart insurance has this?

43
00:02:08,240 --> 00:02:10,160
Speaker 1: And is it fair that it does have that?

44
00:02:10,480 --> 00:02:13,600
Speaker 3: I mean, if someone's if everyone's insurance gets paid out,

45
00:02:13,680 --> 00:02:16,120
Speaker 3: everyone's premiums go up. So it's in everyone's best interest

46
00:02:16,200 --> 00:02:16,839
Speaker 3: to keep it fair.

47
00:02:16,880 --> 00:02:18,560
Speaker 2: And if you're in car fair If you're in your

48
00:02:18,560 --> 00:02:20,440
Speaker 2: car and you're drunk and you have an actually different

49
00:02:20,919 --> 00:02:24,480
Speaker 2: your car's not covered, but your green slip will cover you.

50
00:02:24,520 --> 00:02:27,320
Speaker 2: And who else you kill when you aim someone? You're

51
00:02:27,360 --> 00:02:28,679
Speaker 2: driving a car and you're drunk.

52
00:02:28,480 --> 00:02:29,440
Speaker 3: So there's a level of protection.

53
00:02:29,680 --> 00:02:32,840
Speaker 1: There is a level of protection, personal protection, not property protection.

54
00:02:33,000 --> 00:02:35,200
Speaker 1: This lady, though, I think it's I think.

55
00:02:35,040 --> 00:02:36,920
Speaker 2: It's a bit rich that the insurance company won't pay

56
00:02:36,960 --> 00:02:39,560
Speaker 2: out on this but happy to take the money.

57
00:02:39,600 --> 00:02:42,000
Speaker 3: But save someone's completely written off drunk. And I'm not

58
00:02:42,040 --> 00:02:44,840
Speaker 3: saying this about this woman. Say someone is completely written

59
00:02:44,840 --> 00:02:50,160
Speaker 3: off drunk and dangerously so and falls over, should insurance

60
00:02:50,200 --> 00:02:51,240
Speaker 3: company pay for that?

61
00:02:51,280 --> 00:02:53,560
Speaker 1: Well, that's another thing as well. That's when you're the same,

62
00:02:54,320 --> 00:02:58,040
Speaker 1: I know. But it's about being personally responsible, not looking

63
00:02:58,080 --> 00:02:58,440
Speaker 1: after you.

64
00:02:58,600 --> 00:03:01,240
Speaker 3: Look would you assume that you're insurance covers you no

65
00:03:01,280 --> 00:03:03,080
Speaker 3: matter what if you're injured overseas?

66
00:03:03,200 --> 00:03:03,720
Speaker 1: Yeah?

67
00:03:03,720 --> 00:03:04,920
Speaker 2: And will you look at it this way if you

68
00:03:04,960 --> 00:03:08,160
Speaker 2: had an accident overseas and if the insurance company said

69
00:03:08,360 --> 00:03:10,799
Speaker 2: was there alcohol involved, would you be saying.

70
00:03:10,639 --> 00:03:14,560
Speaker 3: Yes, Well, they didn't even need to test her they

71
00:03:14,600 --> 00:03:18,720
Speaker 3: looked at the bar tab, and they looked at They

72
00:03:18,720 --> 00:03:21,440
Speaker 3: looked at the bar tab and did a calculation from

73
00:03:21,440 --> 00:03:23,440
Speaker 3: that as to how much blood alcohol What do you

74
00:03:23,480 --> 00:03:24,200
Speaker 3: think she had