Will Owner's Insurance Cover Drunk Driver in a Borrowed Car

[Jens_50]

My question involves an injury that occurred in the state of: NY

My brother-in-law I let borrow my vehicle to pick his girl friend up at work. He picked up my car around 10pm and was instructed to have the car back at midnight. He didn't however be back by then.. he was joyriding and never picked her up. He totaled my car (didn't involve any other vehicle.. he his a telephone pole and didn't have any other person in the car) I still owe $5000 still on my car loan and he was Mercy flighted to the hospital and was charged with DWI and speeding (he was driving 80mph in the city around a curve). I have full coverage on my vehicle and the insurance company already declared that they are covering everything on my car. So... my question is, do they have to pay his medical bills since he has now a DWI? and granted he doesn't have his own insurance. We are just going off of mine for the car.

[Who'sThatGuy]

What are your policy limits on your policy? A medivac could cost around $10,000 alone, not including the emergency room, doctor fees and other charges that are included in a trip to a hospital. It sounds like your policy may be exhausted by the time your brother-in-law is finished with his treatments.