Dealing with Insurance Challenges After a Drunk Driver Incident: What Are Your Options?
Recently, I found myself in an unexpected and challenging situation that I wanted to share in hopes of receiving some valuable advice. Last Sunday evening, while dining with family, I experienced a distressing incident: a drunk driver exited a restaurant parking lot and collided with my parked truck. Fortunately, no one was injured, but the damage was substantial—estimated at around $6,000 by the repair shop.
The driver responsible accepted liability, and their insurance has agreed to cover the vehicle repairs, which is a relief. However, complications have arisen regarding my transportation needs and insurance coverage.
As a resident living alone in a rural area, I rely heavily on my truck for daily activities and work. I work weekend shifts from Friday to Sunday, often putting in extended hours with additional overtime—typically two extra 12-hour shifts. Since my vehicle was badly damaged and towed to the shop, I have been unable to commute, resulting in missed work and potential financial loss. The repair shop cannot begin fixing my truck until two Mondays from now, which means I face a two-week period without reliable transportation.
The insurance company has informed me that they will only consider covering a rental vehicle once repairs commence. Given that the responsible driver was intoxicated and at fault, this seems unfair—especially as I am incurring both transportation disruptions and lost wages, which could total approximately $1,800, considering my regular earnings and overtime.
This is my first time filing such a claim, and I’m feeling overwhelmed and uncertain about the next steps. Specifically, I am curious about:
- Can I negotiate with my insurance provider to obtain rental coverages immediately, rather than waiting for repairs to start?
- Is it possible to claim compensation for lost income resulting from this incident? I lack paid time off, and missing work is directly affecting my livelihood.
- Would consulting with a legal professional be advisable to escalate my claim or explore additional compensation options?
Any insights or guidance from those experienced in similar situations would be immensely appreciated.
Note: I reside in Maine, although the incident occurred in New Hampshire. Not sure if that detail impacts anything, but I thought I’d mention it.
If you find yourself in a similar situation, understanding your rights and options can make a significant difference. It’s essential to advocate for yourself and pursue all avenues for coverage and compensation. Remember, insurance policies and legal protections
