Ask the Car Insurance Expert
What insurance covers getting hit by a drunk driver?
The drunk driver's insurance! And if he has low limits on his liability insurance, you can sue him for the rest. (I'm sure there are many personal injury attorneys who would love to speak with you.)
If the drunk driver is -- God forbid -- uninsured, you have these options:
1. Use your own collision insurance to pay for damage to your car.
2. Use your own Personal Injury Protection or Medical Payments for passenger injuries.
3. Or use your own health insurance for your injuries.
You'll find coverage terms explained in our car insurance basics.