Do insurance companies pay for drunk driving accidents?
Insurance companies usually pay for drunk driving accidents in Kentucky. The exception to this is when the insurance company writes an exclusion in its policy. This does not happen often in Kentucky policies. Normally, a claim will be set up against the at-fault driver’s insurance company and they will evaluate the case. This will include any potential punitive damages against their driver. If you are hit by an uninsured drunk driver or a hit and run drunk driver your insurance company will more often than not have an exclusion that says they will pay for the damages, but not the punitive damages. A lawyer can help you read and evaluate the policy language in all relevant policies.