yup. as he states. the policy is for the vehicle...only time drivers are affected is if they are specifically excluded or there is a clause about only approved drivers. likewise, if there is a clause about rental or borrowed vehicles, it "can" cover them...but basically, for the most part, the vehicle is insured regardless of who was behind the wheel...Note to readers: If you loan out your truck, YOUR insurance is on the line first. Because the policy is vehicle specific. The only way out would be if you and your drunk buddy have the SAME insurance company....Then you might convince the claim rep to put the accident on his record instead of yours.
Same applies to a dealer repairing your car. While in the dealer possession (with in the scope of permission) YOUR insurance policy is first in line to pay if there is an accident.
The insurance company holds you responsible for accidents you commit, and for WHO you loan your car to (and the accidents they commit). Unless the car is stolen. So don't EVER leave your keys in the Tundra either.
almost correct. but a driveway is an area where "a substantial portion of the public" has access to, and thus its in public although its private property. so you CAN get a dwi/dui in a driveway. operating while intoxicated is in a public place, not public property or on a street. sure, traffic laws arent enforcable...but dui/dwi are breach of the peace offenses and are enforceable. just like if a drunk was in a private parking lot at an apt complex...yeah we (LEOs) cant cite for traffic violations but it is in "public" where a substantial portion of the public has access...so its deemed in public and good to go for intoxication cases. same for paid parking garages, etc. truth be told, 99.999 percent of parking lots are "private property" one way or another (owned by company or individual) so traffic laws dont fly there, just intoxication laws. kinda like you CAN get a public intoxication in your own driveway or front yard...backyard? no...perhaps a disorderly conduct if you are screaming but no PI charges....but if you are intox in your front yard, its public because others have access to it...now if you fenced it in, then thats a different story...so i guess if the driveway was behind a security gate then no...but assuming no physical barrier to keep others from the area, then yeah, free game for us DWI enforecemnt types.Police do not investigate vehicular accidents on private property. There are no traffic laws to enforce.