My friend proceeded to tell me about the night a few weeks back when she awoke to the loud bang of what she thought sounded like a significant accident which was in fact the sound of a drunk driver coming through her fence followed a couple seconds later by an even louder house shaking crash which was the speeding car coming to an abrupt stop partway through the back wall of her neighbours townhouse.
A few weeks and many phone calls to police, city official and insurance companies later it looks like my friend, not the drunk driver, is responsible for the cost of replacing the destroyed fence. Her homeowners insurance policy should cover it but the claim is likely to increase her insurance premiums. When it comes to insurance rarely do I see fairness or even logic used as determining factors.
My thinking is if I get drunk then get behind the wheel then proceed to drive into someones house then I should be responsible for any damages or injuries I cause. That is the logic I was raised on, but this is not the case. I suppose my friend will just have to be grateful her dog was not in the yard when this happened, not that he would have been hit, , no, he is one fast little mutt, he would have jumped to safety but he might have bit the drunk drivers ankles as he staggered out of his crunched car in which case my friend could have ended up being sued. It is an odd world we live in at times. At least the parts of it we are responsible for creating.