The role of the automobile insurance in a liquor liability or dram shop case is to pay on behalf of the person who was driving drunk. Usually if a person is over-served at a bar or a restaurant and they get on a road and they’re involved in an accident their automobile insurance will pay for the damages done to any victims. But what we usually find in a dram shop or liquor liability case is that the injuries and damages to the victim are so severe that the insurance for the driver is usually inadequate or there’s not enough insurance available. So then you start looking at the insurance that the bar or restaurant who served the obviously intoxicated person may have.
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What is the role of car insurance for a drunk driver in a dram shop action or liquor liability?
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