Here are a few key points to consider:
1. Liability coverage: Liability insurance typically covers damages or injuries that you cause to others in an accident. However, if you are found to be legally drunk while operating a vehicle, the liability coverage may be void or limited.
2. Collision coverage: Collision coverage provides protection for damages to your own vehicle resulting from an accident. If you are found to be legally drunk at the time of the accident, your collision coverage may be denied or reduced.
3. Comprehensive coverage: Comprehensive coverage protects your vehicle against damages resulting from non-collision events, such as theft, fire, or vandalism. If you are found to be legally drunk at the time of the incident, your comprehensive coverage may be denied or limited.
4. Uninsured/underinsured motorist coverage: Uninsured/underinsured motorist coverage protects you and your passengers in case the other driver involved in an accident is uninsured or underinsured. This coverage typically does not depend on your own negligence or intoxication.
5. State laws and policy terms: The coverage exclusions and limitations related to drunk driving can vary based on state laws and the specific terms of your insurance policy. It is important to carefully read and understand your insurance policy to know exactly what is and is not covered.
If you are involved in an accident while driving under the influence and uninsured, you could face significant financial and legal consequences. It is crucial to avoid this situation by always driving sober and ensuring you have adequate insurance coverage in place.
