When a drunk driver causes an accident, they are responsible, they are liable. They are the one that did what they did and it’s their responsibility to pay for what they did which means they can be held financially responsible.
Many times the drunk driver has an insurance company that stands in for them. With that being said, we look to the insurance company of the drunk driver to pay all the harms and losses that the accident caused someone. Typically, that insurance company is obligated to pay for those harms and losses up to the limits of the drunk driver’s policy, depending on how seriously injured the victim might be.
So, the insurance company “stands in the shoes” of the drunk driver and are held responsible for paying the harms and losses the driver has caused the victim of the DUI.