Will my insurance cover me if a drunk driver hit my parked car?

I was at work when a drunk driver plowed into my vehicle. It's completely totaled. After calling my insurance company, they said his insurance would have to cover the costs (I only have liability). What should I expect or what can I do?

Answer provided by
Eric Schad
Answered on Apr 23, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
“Cross your fingers and hope that the other driver has insurance. If they do, their policy will cover the damages up to the amount listed on their policy.
If they don’t have insurance, then I’m afraid you’re out of luck.
For the future, you may want to consider buying uninsured/underinsured motorist coverage or collision insurance to protect your car.”

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