1. Permissive Use: If the person driving your car had your permission to do so, your auto insurance policy may provide coverage for the damages to your car, regardless of whether the driver is listed on the policy. This coverage is usually referred to as "permissive use" coverage. However, there may be limitations or exclusions for accidents caused by intoxicated drivers, so it's important to review your policy carefully.
2. Liability Coverage: Your auto insurance policy typically includes liability coverage, which protects you from financial responsibility if someone is injured or their property is damaged due to an accident caused by your car. If the person driving your car causes an accident while drunk and damages another person's property, your liability coverage may provide protection. However, it's important to note that liability coverage does not cover damage to your own vehicle.
3. Collision Coverage: If you have collision coverage as part of your auto insurance policy, it may cover the damage to your car resulting from an accident, regardless of who is driving it. However, collision coverage typically carries a deductible, which is the amount you have to pay out of pocket before your insurance coverage kicks in.
4. Comprehensive Coverage: Comprehensive coverage protects your car from damage caused by non-collision events, such as theft, vandalism, or natural disasters. If the damage to your car from the accident while driven by an intoxicated driver is not collision-related, comprehensive coverage may provide protection.
It's crucial to understand your auto insurance policy thoroughly to know the exact coverage and limitations that apply in case of an accident caused by an intoxicated driver. If you have questions or concerns about the coverage, it is advisable to contact your insurance company for clarification and guidance specific to your policy.
