A customer was worried about what would happen with his car insurance if he tested positive after a minor fender-bender. The question mixes several topics that are best untangled one by one.
Legal CBD isn't grounds for refusing cover
Using a CBD product that complies with Swiss THC limits isn't in itself a fault that would justify your insurer refusing cover. The insurer is interested in your ability to drive at the time of the incident, not in the legality of a product you may have used earlier.
Where tests can complicate things
A saliva or blood test after an accident can detect THC, even in tiny amounts, present in some full-spectrum CBD products. If that level exceeds the legal limit for driving, the situation can get complicated regardless of whether the original product was legal.
How to limit the risk before it comes to that
Choosing products with virtually zero THC, especially before getting behind the wheel, remains the best way to avoid any ambiguity if you're tested after an accident. Keeping the documents for the product you used can also help clarify the situation quickly with the insurer.
"After a small fender-bender, the insurer first asked questions about my CBD use. I was able to show my product had virtually zero THC, and the claim went ahead normally."
If you drive regularly, we can point you to very low-THC products to limit this kind of risk. Feel free to talk to us about it in the shop. Also read CBD and driving in Switzerland.
