Drunk driving is one of the most common and frustrating road safety issues. Everyone generally knows how dangerous drunk driving is, but some people think they can do it without getting caught. The choices of a few people put everyone on the road at risk.
Other people may end up hurt or could even die in collisions caused by drivers who are under the influence. Those involved in such crashes or affected by the death of a loved one may have questions about who is legally and financially responsible.
Who typically has to cover the costs of a drunk driving crash in Rhode Island?
The insurance company
Some people believe that drunk driving prevents other people from filing insurance claims. However, that is not typically true.
Even in scenarios where an insured driver clearly violated the law, their insurance policy still applies. The people affected by the incident can file an insurance claim for property damage and bodily injury liability coverage.
The drunk driver
Sometimes, people don’t maintain their insurance policies the way the law requires. An uninsured drunk driver may have direct personal liability for any crash that they cause.
Other people may also be able to take legal action against drunk drivers who have poor insurance coverage. If a policy only meets the standard set by the law but does not cover all collision costs, it may be possible to file a personal injury or wrongful death lawsuit against the drunk driver.
A business
There are a few scenarios in which a business might be liable for a drunk driving crash. One involves a drunk driver patronizing a bar or restaurant before causing a wreck.
If the employees at a business licensed to serve alcohol provide alcoholic beverages to a minor or to someone already visibly under the influence, then the state dram shop liability law may apply. The business may have a degree of liability for the crash that the customer caused after patronizing their business.
Employers can also sometimes be liable for drunk driving collisions. When a worker is on the clock and driving for their job, their employer may be liable for any harm they cause others through negligence and misconduct.
Those involved in drunk driving crashes may need help looking into their options for compensation after a motor vehicle collision. Pursuing compensation through insurance or litigation, possibly both, can help defray the expenses caused by irresponsible drivers.