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👀 🚗💥🚙 Thankfully they survive, but the damage and trauma are severe. So how does insurance handle drunk driving accidents? ⚖ Liability coverage still applies. Even if the driver was intoxicated, their auto insurance is legally required to cover injuries and property damage caused to others. BUT… the drunk driver can’t use their insurance to protect themselves. Their insurer might pay out to the victims — then later sue their own insured (called “subrogation”) to recover that money. Criminal
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