Impaired driving is against the law. It is also negligent behavior, as most reasonable people understand that alcohol or drug intoxication increases their risk of a crash. Unfortunately, drunk driving remains a common practice. People think they are sober enough to drive or that they have enough practice driving in an impaired state to safely reach their destinations.
Many of the worst crashes that occur every year begin with a driver getting behind the wheel after drinking. The people affected by a drunk driving crash may have medical bills and extensive property damage losses to recover.
What options do they have when seeking compensation?
A car insurance claim
Standard liability insurance carried by the drunk driver can cover many collision expenses. The people affected by the crash can potentially receive up to the policy limits. They are at the mercy of the insurance carried by the driver at fault, which may mean they have uncovered losses.
A civil lawsuit
When a drunk driver doesn’t have adequate insurance, a lawsuit could help cover collision expenses. The courts may hold them accountable for the costs incurred by others due to the crash.
It may also be possible to file a lawsuit against a business in special circumstances. If the drunk driver was at a licensed bar or restaurant, the business might be partially liable under dram shop laws. When employees serve alcohol to people who are clearly intoxicated or those under the age of 21, the company may be responsible if that patron goes on to cause a crash.
Reviewing the circumstances of a drunk driving car crash might help people evaluate their options for financial compensation. Legal guidance is often beneficial for those filing large insurance claims or a civil lawsuit.