JanAndBill
Well-known member
They don't have a choice, they can drop you afterwards but that's all. How many times have you seen insurance companies pay off involving a drunk driver? Do you really believe they would if they could deny coverage because you are drunk?
If you read your policy you will most likely find a slew of exclusions covering your conduct, however those exclusions may not apply to an injured third party. The other thing is there is a difference between an insurance company liability and your personal liability. The insurance company is not at fault in the case of accident and is only responsible up to the policy limit they have with you. The driver of the vehicle is liable for the full amount of the claim without limit. Food for thought in the case of an accident caused by gross negligence.