Auto Insurance Claims

What happens when a drunk driver runs into your parked car if you don't have insurance?


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2005-09-15 01:11:55
2005-09-15 01:11:55

Personally I would sue the person for damages in a civil court for payment of the repair or replacement of the car.

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No. No kind of insurance covers drunk driving.

I guess she tries to collect from the drunk's insurance or sues the drunk and or the boyfriend. If the drunk has no insurance or money, or the boyfriend has no money I think you have your answer. If she has her own medical insurance, she could probably use that.

You can file a claim with your insurance company. You can also get a lawyer and file a lawsuit against the drunk driver.

I know someone currently in that situation. If the insured person is at fault (states so on police report) you should do your best to obtain a police report and get his insurance information. You or your attorney should contact his insurance company to file a claim. This is the stage my friend is at. I will let you know how it turns out. In her situation she was able to obtain an arrest report as it was the hit and run of a parked car by a drunk driver. The driver was arrested that evening and several other cars on the block were damaged.

That means that you have liability coverage only, which does not cover your damages. If the other driver is uninsured, the only option left is, to take him to court and sue him for your damages.

yes because there might be a drunk/reckless driver and you need insurance if you're in a crash to cover damages

In Australia you would have to take him through a small claims court. and have him pay the cost for the legals as well. if you have the money to start of with.

Each person's insurance should cover their own vehicle. It's part of un and under insured driver coverage. It protects you against a case just like this. Now if the person doesn't have it then that is their own fault and they will have to pay for the damages out of their own pocket. The individual insurance companys should repair the vehicles and then they will turn around and draw a lawsuit against the drunk-driver for the cost of all the damages. Most states will put all blame on the drunk driver, but it is possible that your state might be different. The police report will be your best sourc of that information.

If your policy excludes acts during the commission of a felony then No.

Yes, most likely. Review your policy to be sure. However, if the drunk driver caused damages in excess of his or her policy limit, the drunk driver can be held personally liable.

The owner of the illegally parked vehicle may be ticketed, but the "at fault" driver is responsible for the damages to the parked vehicle.

Of course you need to cooperate. Any time an Insurance co. has a claim, they have to investigate it and determine who's liable. Cooperating is in your best interest. Tha fact the you and the other driver are insured by the same company has nothing to do with the claim itself.

No, your claim for injury relates to the injury you have suffered. However a drunk driver has broken the law and therefore would normally be subject to punishment by the state - this is a separate issue.

depends on the speed of the vehicle and the conditions of the air bag system. It is never a good idea to ride with a drunk driver. Whatever the circumstances the outcome is never good.

The standard insurance companies would not insure you if you are involved in drunk driving. Once you are charged with drunk driving, the standard insurance company will cancel your policy, subject to your insuring yourself in the specialty market - high risk insurers like Pilot insurance, Echelon insurance or any other company.

No, he wasn't. Charlie and Sam were struck by a drunk driver after the baseball game.

aggressive driver, drunk driver, distracted driver, inconsiderate driver, illegal driver

The driver should be charged with manslaughter or vehicular homicide, depends on the laws of the state and what the prosecutor charges the driver with. It's very serious and carries jail time.

Many national car insurance companies will vastly increase your rates or cancel your policy altogether after a drunk driving conviction or an administrative DMV.

In Oregon, license suspension for a year or until 18, whichever is longer.

Adam's daughter, who is nine years old, is killed after being involved in an accident with a drunk driver.

Many states have laws that automatically assign blame to a drunk driver since he/she shouldn't have been on the road in the first place. But for the purposes of the insurance company, blame will be placed on the driver who rear-ended someone else unless there is proof that the driver in front slammed on the brakes to force the other driver to hit him. That's very difficult to prove. Obviously the drunk driver will be charged with Driving While Impaired and will get a hefty fine. The other driver will probably also be held responsible. Neither insurance company will be happy and both drivers will get to have SOME bad news.

A case by the state against a drunk driver for disobeying the law is a criminal case. If some sues a drunk driver for damages the driver caused as a result of their negligance, that would be a civil case.

What Should You Do - 2003 Drunk Driver was released on: USA: 5 November 2004

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