Automobile insurance in an alcohol related incident depends what kind of automobile insurance we’re talking about. If it’s your own automobile insurance and you are hurt, that’s called under insured motorist coverage. That’s going to kick in after the bar pays whatever it owes, after the drunk driver pays whatever it owes. For insurance for the drunk driver, the insurance company is going to have to pay up its limits for whatever harm that drunk driver caused and insurance company for the bar, if they have insurance, is going to have to pay for whatever harm the bar caused.