I Was Hit By A Drunk Driver: What My Insurance Didn’t Tell Me.

** I Was Hit By A Drunk Driver: What My Insurance Didn’t Tell Me. ** I Was Hit By A Drunk Driver: What My Insurance Didn’t Tell Me. is a gap in standard coverage. Many policies limit payouts for drunk driver claims. Studies indicate underinsured motorist confusion is common after collisions. ** Unseen policy limits often cap compensation for medical bills. Others assume PIP covers everything after a DUI crash. Research shows UM/UIM details matter most in these cases. Gather police reports before talking to adjusters. ** Drivers often overlook umbrella policies that add extra protection. These layers can respond after primary limits are exhausted. Ask your lawyer about stacking options for high medical costs. ** Q: Can I sue the drunk driver directly instead? A: Yes, you can file a personal injury lawsuit against the at fault driver. Q: How do I prove intoxication if police reports are delayed? A: Collect photos, witness contacts, and medical records that support impairment.