Does full coverage insurance cover the repair to a vehicle from single accident if driver had been drinking?

Typically, if a driver has been drinking and gets into a single-accident (not involving another party), the damage sustained by their own car is not covered under full coverage insurance policies due to the exclusion for damages resulting from driving while intoxicated. However, it's important to know that every insurance policy differs and the specific coverage terms can vary.

Full coverage insurance typically includes comprehensive and collision coverage, which can provide coverage for damage to the insured's own car, regardless of who is at fault in an accident. However, many insurance policies have exclusions for damages caused by driving under the influence of alcohol or drugs. These exclusions are in place because driving under the influence is a serious traffic violation and insurance companies want to discourage this behavior by not providing coverage for related accidents.

If a person drives under the influence and gets into an accident, they are likely to be held responsible for the damages and injuries they cause. This can result in significant financial and legal consequences, even if they have full coverage insurance. Therefore, it's crucial for drivers to avoid driving under the influence of alcohol or drugs to ensure both their own safety and the safety of others.