Compensation for car damage due to alcohol consumption

Questioner

My son borrowed my car, but he let a friend who was under the influence of alcohol drive my car and they totaled my car and damaged another car. My car was fully comprehensive insured. How should I go about getting this damage compensated? I don't know if my insurance will cover it.

Lawyer

If the driver is under the influence of alcohol, no coverage is provided for damage according to the policy conditions. You will then have to recover this damage from your son's friend. Your own damage will be reimbursed by your insurer. I advise you to hold the friend liable.