Does insurance pay when your insurance company have to pay drunk driver
Therefore, if you have an accident while driving under the influence, your insurance company will pay for the other driver's personal injury claim or property damage to his vehicle. Yes, your insurance provider will pay the damages from your liability coverage. Liability coverage, which is mandatory in all states, is a negligent driver’s insurance policy which covers the other driver’s medical bills and property damage incurred during the accident. For example, if the other driver is 80% at-fault and you are 20% at fault, you can collect for your damages because you were less than 50% at fault. However, the other driver's insurance company might only offer to pay for 80% of your damages. Driving under the influence of alcohol or drugs is illegal, obviously. However, if you drive drunk and cause a car accident, your car insurance policy will pay for damages you cause -- up to the liability limits of your policy. An at-fault insurer might therefore pay for only 50 percent of your damages. You maintain the right to sue the other driver's insurance company in these states, however, to try to recover the portion of your claim that your own insurance company won't pay. If you have collision coverage, your insurance company will pay to repair your car, regardless of who caused the accident. In other words, collision coverage is a no-fault coverage. However, there is a certain portion of the cost -- called the “deductible” -- that your company won't pay. In this case, your car insurance company would pay the first $10,000 of your medical bills. That is the no fault limit. You are responsible for the payment of the remainder of your medical bills. Your car insurance company would also pay you $7,500 toward your lost earnings. No. You must first submit the claim to the other driver's insurance company who will pay you for your damages up to the liability limit of their insured’s policy, once they have determined that their insured is at fault. If you have collision coverage, your insurance company will pay to repair your car, regardless of who caused the accident. In other words, collision coverage is a no-fault coverage. However, there is a certain portion of the cost -- called the “deductible” -- that your company won't pay. You have to pay that. 1 Report the accident to your insurance company. 2  Report the accident to the Department of Motor Vehicles within 10 days if someone is injured or killed or if damage to either car is more than $750. 3  Make a claim with your insurance company and/or the other driver’s insurance company to pay for your injuries and losses.
yes