text: Unfortunately a driver (even incoherent) and their family in this kind of a situation, are probably in significant trouble over this.  It is unlikely that driver's insurance (if shopping center sued, will subrogate) will cover the liability of serious and/or permanent injury (hopefully, no eventual deaths) to patrons, damage to a restaurant, and any cars involved.  Even if auto insurance has a liability umbrella rider, the damages may involve potentially millions of dollars in damages and exceed this, resulting in loss of the insured's assets, such as housing, etc. This raises the issue of elderly and/or incapacitated drivers and the risk their relatives run for not intervening  before serious accidents, which can cause irreversible guilt and moral disasters, not to mention potentially significant financial loss.  Shopping centers and businesses may be required to install barriers  to prevent this from happening again at considerable expense, as a future incident would not look good.