General Discussion
In reply to the discussion: Do you favor gun registration? [View all]Lurker Deluxe
(1,085 posts)The criminal charges ensue because a law was broken, but the death was still accidental. The driver will rarely be charged with first degree murder in an incident where he is charged with intoxication because of the loss of faculty, it would have to involve some form of direct action ... running from the police to evade the stop, for example. Even then the charge is more often than not, DUI Manslaughter, which means there was no intention to commit a crime.
You think some auto insurance company paid for the destruction of the fed building in OKC?
Insurance will not pay for deliberate acts which cause the destruction of property or damage to persons.
Take your car and drive it (sober) through the local park, do some donuts, run down some park benches, knock over some artwork, and make a mess of the place. When the cops get there, just hand them your insurance card. Don't be surprised when you get a bill for the cost of repair ... your insurance company is not going to pay.