What to Do If You’re Injured by a Drunk Driver: Legal Options and Insurance Issues
Being injured by a drunk driver is one of the most devastating experiences a person can face. Beyond the physical harm, there’s often emotional distress, medical bills, and the frustration of knowing the crash could have been prevented. Understanding your legal rights and the insurance process can help you make informed decisions in the days and weeks following the accident.
Step 1: Get Medical Attention and Call Law Enforcement
Your health comes first. Always seek immediate medical care, even if you believe your injuries are minor. Some injuries, such as concussions or internal trauma, may not be obvious right away. When the police arrive, ensure that a report is filed. That report will serve as a key piece of evidence later, especially if the other driver is charged with driving under the influence.
Step 2: Gather Evidence
If you are able, collect as much information as possible at the scene. Take photographs of the vehicles, road conditions, traffic lights, and any visible injuries. Get contact information from witnesses, and write down details about what happened while it’s still fresh in your mind. If you’re too injured to do so, ask someone you trust to gather this information for you.
Step 3: Notify Your Insurance Company
Even if the other driver is clearly at fault, you should still contact your own insurance company promptly. Your policy may include medical payments coverage or uninsured/underinsured motorist coverage, which can help cover expenses while the claim is investigated. Be honest but cautious when speaking with insurance adjusters. Avoid admitting fault or speculating about what happened.
Step 4: Understand Your Legal Options
Drunk driving accidents often involve both criminal and civil cases. The criminal case focuses on punishing the drunk driver, while the civil case is where victims can seek financial recovery for damages such as:
- Medical expenses and rehabilitation
- Lost wages and reduced earning capacity
- Pain and suffering
- Property damage
In some cases, punitive damages may also be available if the driver’s actions were especially reckless. These are designed to punish the offender and discourage similar behavior in the future.
Step 5: Be Aware of Insurance Complications
Drunk driving claims can become complicated when multiple insurance companies are involved. The at-fault driver’s insurance may deny coverage if the driver violated the policy terms, such as driving under the influence. When this happens, your own underinsured or uninsured motorist coverage may become critical. A personal injury attorney can help navigate these coverage issues and ensure that all potential sources of compensation are explored.
Taking Action
Recovering from a drunk driving accident is difficult, but you don’t have to face it alone. Legal guidance can help protect your rights, deal with insurance companies, and pursue fair compensation for your injuries and losses.
If you or someone you love has been injured by a drunk driver in Missouri, the attorneys at Kelly & Jansen, LLC can help you understand your options and take the next steps toward recovery. Our team is committed to helping victims seek justice and rebuild their lives after serious accidents.







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