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Drunk driving accident victims often suffer massive losses. Medical bills, lost wages, and other expenses pile up quickly. You may wonder, does car insurance cover drunk driving accidents?

Auto insurers do cover drunk driving accidents. However, the drunk driver’s auto policy might not be enough to cover everything you lost.

Having an aggressive and experienced drunk driving accident attorney can help you recover fair and just compensation from any party that contributed to your injuries.

Contact River Run Law today if you or a family member suffered injuries in a drunk driving accident in Richmond, VA. We believe that you deserve justice.

Will Insurance Cover Drunk Driving Accidents?

According to the Virginia DMV, 32% of all motor vehicle crash fatalities in the Commonwealth involved drunk driving in 2019.

Also, one out of every six motorists is likely to be involved in an alcohol-related crash during their lives. 

The money lost due to these accidents is astronomical. Consequently, Virginia law requires every vehicle in operation in the commonwealth to have a current insurance policy.

According to the Code of Virginia, every car must have a minimum of:

  • $30,000 coverage for the death or injury of one person;
  • $60,000 coverage for the death or injury of two or more people; and
  • $20,000 coverage for property damage. 

You can purchase more coverage if you wish. However, the statutory minimums increase in January 2025. 

How Do You File a Claim Against a Drunk Driver’s Insurance Policy?

Speaking with an experienced and successful drunk driving accident attorney is vital to your success. The attorneys at River Run Law can initiate the process of recovering just compensation for you.

We will investigate your claim thoroughly and try to identify every party who might have some liability for your losses. 

The drunk driver’s insurance company might try to settle with you immediately, especially if the drunk driver was convicted in criminal court.

If you have long-lasting injuries that cause debilitating pain and suffering, then the drunk driver’s insurance policy will not be enough to compensate you for your losses. In that case, we need to find other ways to win compensation for you.

Our investigation might reveal that the drunk driver over-consumed alcohol at a restaurant. You might have a claim against that establishment for over-serving their customer. 

We could also look at your insurance policies for injury coverage. Your auto insurance policy might provide under-insured coverage, which you could apply to your losses.

Or you could collect compensation for your damages if the drunk driver did not have insurance because your policy has uninsured coverage. 

No matter the case, we will aggressively seek compensation from every available source to make you whole.

Get in Contact With River Run Law Today

Does car insurance cover drunk driving accidents? It probably does. Contact us today at 804-889-0500 to schedule a free, no-obligation consultation to discuss the answer.

At River Run Law, we are passionate advocates who fight to win fair and just compensation for all our clients.

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Casey Ariail

Casey is a founding partner at River Run Law Group. Casey has tried numerous cases across the Commonwealth in both General District Court and Circuit Court. He has earned millions of dollars for his clients through trials, mediations, and settlements.

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