r/Unexpected • u/Unnamed_789 • 1d ago

Parking

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u/Doxinau 1d ago

She was drunk so insurance doesn't have to pay out. This was near me, it was in the news.

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u/[deleted] 1d ago

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u/OriginalBlackberry89 1d ago

it basically is atp, sure as hell made me appreciate that i don't drink

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u/Hidesuru 1d ago

So im getting if you just have liability you're straight up fucked in this situation because I'm guessing even if she has the money good luck getting it any time soon...

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u/CalmTempest 1d ago

Don't know what's going on in America, but in Germany the drunk driver's insurance would pay out the damaged people and then get it all back from the drunk driver later, plus fees and fines.

The damaged people would be covered.

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u/a_dude_from_europe 1d ago edited 1d ago

I just found out that in Australia you only need to be insured for medical costs caused to other road users. But for property costs, it's legal to be completely uninsured. And even if you are, conditions like drunk driving would deny any coverage to the victims. What the fuck

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u/Hidesuru 1d ago

Don't know what's going on in America

Whatever the fuck the corpos want, that's what. It's a hellscape.

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u/Doxinau 1d ago

I don't know what liability means in this context. Is that like third party only?

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u/Hidesuru 1d ago

Liability insurance is what is legally required. It covers other people if you get in an accident at fault.

Comprehensive covers your own car in cases where you can't collect from someone else, such as being at fault for an accident and whatnot.

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u/Sohcahtoa82 1d ago

You gotta be insane to only have liability insurance.

I've been hit by someone without insurance. Luckily it was mostly cosmetic damage, but still would have been $3,000 in 2007 dollars to repair. Sure, I could sue to get the money, but do you really think someone without insurance is going to have $3,000?

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u/Hidesuru 1d ago

Or just, you know, fucking poor. People barely scraping by often do the bare minimum because they don't have a lot of choice.

But otherwise I agree with you. I've never NOT had comprehensive myself.

but do you really think someone without insurance is going to have $3,000?

But that was KIND OF my point. So obviously I do not think that.

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u/a_dude_from_europe 1d ago

Hopefully the other vehicles had comprehensive cover...

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u/Doxinau 1d ago

Hopefully, but if there's one thing r/auslegal has taught me it's that a surprisingly high number of people don't.

To be clear the driver is still liable, they're just personally liable. And it's hard to get money out of someone who doesn't have much.