What is considered to be covered under damage while the driver is impaired by alcohol or drugs?

When a driver is impaired by alcohol or drugs, their ability to operate a vehicle safely is significantly compromised. In the context of automobile insurance, if the driver is found to be impaired at the time of an incident, policies typically stipulate that there is no coverage for damages incurred. This policy provision reflects the principle of personal responsibility; insurers often exclude coverage in situations where an individual engages in illegal or reckless behavior.

As such, all damages resulting from an accident while the driver is impaired fall outside the coverage provided by the auto insurance policy. This serves as a deterrent and emphasizes the importance of driving sober, as it aligns with the legal and ethical standards expected of drivers. Choices discussing specific types of damages, like all auto damages, collision damages only, or costs of medical injuries, may imply that some level of coverage exists, but in cases of impairment, coverage is generally voided entirely.