Personally I would sue the person for damages in a civil court for payment of the repair or replacement of the car.
Call the police and hire an attorney, NOW.
I guess she tries to collect from the drunk's insurance or sues the drunk and or the boyfriend. If the drunk has no insurance or money, or the boyfriend has no money I think you have your answer. If she has her own medical insurance, she could probably use that.
No. No kind of insurance covers drunk driving.
You can file a claim with your insurance company. You can also get a lawyer and file a lawsuit against the drunk driver.
That means that you have liability coverage only, which does not cover your damages. If the other driver is uninsured, the only option left is, to take him to court and sue him for your damages.
I know someone currently in that situation. If the insured person is at fault (states so on police report) you should do your best to obtain a police report and get his insurance information. You or your attorney should contact his insurance company to file a claim. This is the stage my friend is at. I will let you know how it turns out. In her situation she was able to obtain an arrest report as it was the hit and run of a parked car by a drunk driver. The driver was arrested that evening and several other cars on the block were damaged.
In Australia you would have to take him through a small claims court. and have him pay the cost for the legals as well. if you have the money to start of with.
yes because there might be a drunk/reckless driver and you need insurance if you're in a crash to cover damages
Almost certainly.
Each person's insurance should cover their own vehicle. It's part of un and under insured driver coverage. It protects you against a case just like this. Now if the person doesn't have it then that is their own fault and they will have to pay for the damages out of their own pocket. The individual insurance companys should repair the vehicles and then they will turn around and draw a lawsuit against the drunk-driver for the cost of all the damages. Most states will put all blame on the drunk driver, but it is possible that your state might be different. The police report will be your best sourc of that information.
If your policy excludes acts during the commission of a felony then No.
The owner of the illegally parked vehicle may be ticketed, but the "at fault" driver is responsible for the damages to the parked vehicle.