It’s a common fear among victims of drunk driving accidents: that the other driver’s insurance company will refuse to cover the accident because the policyholder was breaking the law by driving while intoxicated.
While it’s true that insurance doesn’t cover intentional acts, the insurer is still required to pay for the harms you suffered in the collision even when the driver was drunk. That’s because it was an accident – even if it was the kind of accident that, to the impaired driver, should have been a foreseeable outcome of getting behind the wheel after drinking.
If the insurance company is attempting to get out of paying your claim under the guise that it doesn’t cover accidents that occur due to drunk driving on the part of their policyholder, it’s time to end the conversation with them and let a professional take over. An attorney can fight for you, and just having a lawyer on your side may be all it takes to get the insurance company to start treating your claim fairly.