It's not about car insurance rates – it's about responsibility

The holiday season approaches, many people decide to host parties and other social gatherings in the privacy of your own home. Now, if one of your guests has a little too much to drink, drive home and on the road, causes an accident, it may not affect the auto insurance rates – but you still could bear legal responsibility.

Vicarious liability

"Vicarious liability" is a legal doctrine that a person – which is typically able to control a situation, as an employer, a parent or guardian, or in this case, the host of a party or the owner or the bartender in a restaurant or a drink – Institute is responsible for the actions of another (employee, youngest son, guest or patron, etc.).Although this situation is not covered under liability auto insurance laws, the industry now produces warnings for people who want to make a funny in the next few weeks.

Social host liability Laws

Laws on the liability of a host vary from one State to another, and some States do not have such laws in those States that do, however, are similar to those who hold the owner of a bar or a nightclub – or in some cases, the bartender who served liquor – responsible if a guest inebriated injures or kills someone while driving home.Those laws or not even tell you the cost of auto insurance would be affected in such a situation.

You can test, however, that even the cars of full coverage insurance does not cover if you continue to serve to someone who is drunk and that the person later causes an accident.

What to do

If you host a party, you must set limits. very well, this can mean setting an example by limiting your intake of alcohol (which will also make you a better judge of the other States of inebriation). If you feel able to do so, you should seriously consider hiring a professional bartender, which usually is trained to recognize when a patron or host had one too many and act accordingly.

You can also consider confiscate the keys of the people as they arrive and hand them out at the end of the night only if they are sober. Another way to cope is to have a "last call" – stop serving alcohol at least one hour before the end of the party and make sure there are food and drinks.

Finally, be firm with guests who are clearly unfit to lead their home; buys a House of travel of the cabin, send them home with a sober friend or have them to spend the night. cannot win popularity contests, but very well could save your life.