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Pathfinder-
If he is still listed as an insured driver, you are in good shape no matter what condition the driver was in. The insurance will pay for the incident.
I repeat, do not even infer that you wanted him off the policy earlier...the insurance company will jump all over that and try to get a backdate on the cancellation. the earlier call needs to be a figment of someones imagination and forgotten or you will walk right on your own dick.
The insurance company has to pay the comp part whether the guy was drunk or not. They will go after him for the money they pay you. I called a buddy of mine who is a State Farm agent in California, I hadn't talked to him in a while and inquired about this issue in relation to here...he went to high school with me in Illinois. Same there as it is here.
Again, I repeat, stop any talk of dropping him off the policy until you get this claim settled. His drunkness and stealing the car are non issues as far as the comp and collision goes. Then let the insurance company hound him...they have floors of fucking attorneys that settle matters like this and they will chase him to the end of the earth...they are relentless....they don't have anything else to do.
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