Under the law, the drunk driver may also be responsible for injuries he or she causes while drunk. The problem, though, is that most people only have minimum insurance coverage (only $25,000), and drunk driving crashes typically cause severe injuries or even death. While the drunk driver is the one who crashed the car, the law recognizes how difficult it is for people to understand they are drunk and to make appropriate decisions while drunk. That is why the bar/restaurant is responsible for the drunk driver’s conduct if the person either exhibited signs of intoxication or the bar should have known the person was intoxicated.