Yes, an insurance provider will cover damages arising from a drunk driving accident if you can prove the drunk driver caused the crash and that you sustained injuries and damages because of the collision. In this regard, a DUI accident insurance claim is no different from an insurance claim for another type of traffic accident. The fact that the driver was intoxicated can be a factor in the cause of the crash; however, it is up to you to prove that the driver’s actions behind the wheel “caused” the crash.
For example, a drunk driver could be involved in an accident in which another driver fails to yield the right of way and crashes into the drunk driver’s vehicle. In this case, it is obvious that the sober driver caused the crash. The drunk driver may be charged with DUI and face criminal penalties, but the sober driver cannot hold the intoxicated driver responsible for damages simply for the fact that the driver was intoxicated when the sober driver caused a crash.
On the other hand, the fault of the crash could be disputed. Either driver could have contributed to the cause of the accident. The fact that one driver was intoxicated could weigh heavily in the determination of fault.
If the drunk driver was at fault, the driver’s insurance is responsible for damages. However, as with all other traffic accidents, an insurance company may attempt to deny liability or minimize the claim even though they know their driver was responsible for causing the DUI crash.