Quote:
Originally Posted by Dobinuvik
As far as I know there are no insurance companies that will pay if you are drunk. Would you insure a drunk driver? I sure as hell wouldn't. So if you are driving drunk you are pretty much driving uninsured. Not a great combination is it?
Wrong. Every insurance company will pay unless you have a specific exclusion, and I've never seen one for drunk driving, although they do exist. And even that exclusion would apply only to coverage on his own vehicle.
The whole point of mandated liability insurance is to protect the innocent guy who gets plowed into by someone. The guy's property damage will be covered (up to the policy limits that is.)
The drunk driver may subsequently be dropped and it obviously won't help him insurance-wise in the future, but the fact that he is drunk does not change the current claim.