The damage that can come from drunk driving accidents can vary from one to the other. Some people have complained of having had their cars damaged due to a driver who was under the influence of alcohol and a few more have damaged cars due to their being drunk. The usual question people ask in this situation is whether or not their insurance will cover the damages brought about by such incidents.
The answer to such a question usually depends on the individual situations these vehicles and drivers find themselves in. For example, if a drunk driver hits your vehicle and he is insured, then he is obligated to have your vehicle repaired on his insurance, not yours. If you are not insured and a drunk driver hits your car and damages it, even if you are not insured, since the fault is not yours, you can still have your car repaired without having to spend anything. The other person’s insurance should cover the cost of the repairs.
If the drunk driver that hit your car does not have any insurance however, then you may be in for a rough ride if they do not have any money for your repair needs. Usually, people who do not have auto insurance do not have enough money for it, which means that they cannot afford to have your vehicle repaired as well. The only hope you may have to be able to get your vehicle repaired without having to shell out any cash for it is if you have uninsured motorist coverage on your own vehicle insurance. If you don’t, then you may have to cover the repair costs out of your own pocket.
Now, if your vehicle was damaged due to your driving under the influence, then you may need to check your insurance policy to see if this particular situation is covered by your policy. Usually, most insurance policies have what is called collision coverage which obligates your insurance company to fix your car for you. This, however, comes with a number of repercussions.
For one, when you do find yourself in a drunk driving situation, and your insurance company covers the damage you made to your vehicle, you can be sure that when you insure your vehicle again, you will be paying higher premiums. This is the price you have to pay for doing something illegal, which is what a DUI is. Driving under the influence of alcohol is never a good thing and should be avoided at all costs. Even if your insurance does cover such possibilities, you should try your best to avoid doing this.