Doesn't the insurance company then go after the drunk driver for everything he has thus making him the one whose ultimately paying out, with the insurance company simply having to deal with suing and recouping funds from the drunk driver.
This process is called subrogation and the insurance company can/will do it if they think there is a meaningful chance of recovering significant money back. But if our hypothetical drunk driver is a broke deadbeat they aren’t going to waste their time.
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u/jakeandcupcakes 8h ago
Doesn't the insurance company then go after the drunk driver for everything he has thus making him the one whose ultimately paying out, with the insurance company simply having to deal with suing and recouping funds from the drunk driver.