“Of course, you’re very likely to get cancelled as a result of an at fault DUI accident.”
Well, I think he got canceled.
Sorry to be so crass, but the passenger was also killed. I don’t think that insurance will cover that person’s survivor claims against the estate.
Sure, the claims against the estate for negligent driving (drunk and reckless operation, both crimes), the insurance company will have to pay. There's not a state in the union that insulates insurance companies from DUI liability claims from victim's. In fact, this is reason that states mandate liability insurance - to pay the claims of victims.
There is a chance that the driver's estate's claim would go unpaid, and the claim to replace the vehicle would (might) go unpaid.
Think about the libality insurance you carry on your own home - if you own a home and have a liability rider for you home policy - which most people do - if someone dies in your home from your criminal negligence, then that liability insurance still pays the victim of your crime (criminal negligence). Criminal Act Exclusions are designed to keep the perpetrator from financially benefiting from his crime. They are not designed to insulate insurance companies from the claims of victims.