Sure this is what happens...but is it Right?! As for the insurance companies, why should they be required to pay damages when some drunk wraps his car around a tree?! If somebody's STOOOOPID enuff to drive drunk and gets in a wreck, he oughtta lose the protection he contracted for from the Insurance Company...whatever happened to Personal Responsibility?!
FReegards...MUD
BTW... ".08 is considered drunk regarding driving. It is only practicality that keeps them from arresting everyone as they walk out of bars."
Then the laws should be off the books, IMHO. If the cops have the ability to close down a particular restaurant by Arbitrarily Applying Justice outside that particular restaurant and not another down the road, then we've given too much Arbitrary Power to the Police.
That's true of a lot of things. Why should my insurance company have to pay for all the sodomites aids medication. Why should medicare pay for a fake leg for my smoking diabetes ignoring motherinlaw. But we know better. You can't drive without insurance and if you get drunk and kill a bus load of kids your insurance pays. You also do the time. The insurance companies are only looking at the statistics and charts and trying to max profits. Same as everybody. And they do that be buying more and more laws. I did a lot of consideration of this when I had to pay 28 bucks for not wearing a seatbelt. THen there is the state that pays what the insurance companies which is another layer of the same thing.