Visitor Question

Are passengers who knowingly enter a drunk driver’s car still covered?

Submitted By: Tam (Oklahoma)

While driving down the road, I was hit out of the blue by a drunk driver who ran a stop sign.

He had only liability insurance and I do not have under-insured motorist coverage.

I sustained serious injuries requiring a long hospitalization.

The drunk’s insurance company says the limited amount of medical coverage offered by his liability policy has to be split among me and the two passengers in the drunk’s car, who were also injured.

However, investigation has revealed that both of the passengers were close friends with the drunk driver, knew he abused alcohol, were with him before the accident, knew he was drunk and still got in the car with him driving.

Are they still covered by the drunk’s policy if they were deliberately negligent in this way? Is there any way I can get more compensation for my injuries? Thank you.

Disclaimer: Our response is not formal legal advice and does not create an attorney-client relationship. It is generic legal information based on the very limited information provided. Do not rely upon the information in our response, or anywhere else on this site, when deciding the proper course of a legal matter. Always get a personalized case review from a local attorney.


Dear Tam,

The State of Oklahoma follows the 51% Modified Comparative Negligence rule.

The rule deals with an injured party’s contribution to his or her own injuries. Under the 51% rule, an argument can be made the passengers contributed to their own injuries by getting into the car when they knew the driver was intoxicated.

If they knew that, and it appears they did, then the court will have to decide whether their contribution to their own injuries equaled 51% or more. If so, they will be barred from receiving any compensation for their injuries.

Unfortunately, unless there is proof the passengers made alcohol available to the driver, facilitated his or her drinking alcohol while driving, or knew the driver was intoxicated when they entered the car, the passengers have as much right to compensation for their injuries as do you.

Contact an experienced personal injury attorney. Explain the facts as you have here. If the attorney agrees with the 51% argument, he or she may accept your case. As a result, you may be entitled to the amount of compensation the injured passengers are seeking, and they would receive nothing.

Learn more here: Liability in Drunk Driving Accidents

The above is general information. Laws change frequently, and across jurisdictions. You should get a personalized case evaluation from a licensed attorney.

Find a local attorney to give you a free case review here, or call 888-972-0892.

We wish you the best with your claim,


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