Review your insurance policy carefully. The exclusion list may contain exceptions that apply to your situation. For example, some policies may exclude coverage for accidents caused by intoxicated drivers, but they may still cover accidents caused by sober drivers who are otherwise excluded from coverage.
If your husband is found to be liable for the accident, you may be held financially responsible for the damages. This could include the cost of repairing or replacing your car, as well as any medical expenses incurred by the other driver or passengers. You may also be responsible for the other driver's lost wages and pain and suffering.
You may want to consult with an attorney to discuss your legal options. An attorney can help you determine if you have a case against your husband or the other driver, and can represent you in court if necessary.
Here are some additional tips:
* Gather as much evidence as possible about the accident, including photos of the damage to your car and any injuries, police reports, and witness statements.
* Keep all of your records related to the accident, including medical bills, repair estimates, and correspondence with your insurance company.
* Be prepared to cooperate with your insurance company's investigation of the accident. This may include providing them with a statement and allowing them to inspect your car.
