Milwaukee, WI – After any kind of accident in Milwaukee, dealing with auto insurance issues can be a problem. This is especially true if the driver responsible for the damage was impaired by drugs or alcohol at the time. The driver at fault may not have any protection from their coverage due to their actions, and they may also have difficulty affording insurance increases in the future. People who were harmed by a drunk driver should consult with a local attorney to explore their options for compensation.
The insurance company may not want to cover the damage
When an auto insurance company investigates an accident, they may decide that driving while intoxicated violates the driver’s policy. If this is the case, the person’s liability coverage will not pay for any damage that they caused while they were intoxicated. This can make it much more difficult for a victim to get help, as even if they win a civil lawsuit against the person or they are ordered to pay restitution as part of a criminal case, it can be difficult for the victim to actually collect thousands of dollars to pay for medical costs and other losses.
Uninsured motorist coverage
In situations where the driver who was responsible does not have applicable auto insurance for any reason, an accident victim may be able to get paid through their own policy if they have uninsured motorist coverage. However, this type of coverage is not required by law and some drivers may not have uninsured motorist coverage as part of their policy.
The driver can always be sued in civil court
Regardless of whether the person responsible for a drunk driving accident has insurance coverage and whether or not they are convicted in criminal court, the victim can always try to bring a lawsuit and see if they can collect any money. The problem tends to be whether the person can afford to pay out these amounts or not. If the drunk driver was working at the time it is possible that their employer will have to pay for these costs, as employers are always responsible for negligence of their employees during their normal job duties.
People with drunk driving records will have insurance problems in the future
Once a person has been charged with a drunk driving offense, they can see higher rates, companies that refuse to provide coverage at all, and other problems. It is common for insurance companies to surcharge a person for years after a drunk driving accident, which can significantly increase their auto insurance costs.
More information about accident lawsuits in Milwaukee
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