From the "incredibly stupid idea" department...
According to a recent Texas lawsuit, Don's Fly-Thru Beer Barn was a drive-in bar "complete with carhops where drivers enter the establishment by driving their vehicles into a building and then they are sold alcohol while still inside their car." Worse yet, patrons were "allowed to drink and drive right out of Don's Fly Thru Beer Barn with their alcoholic beverages in hand."
Brilliant business model, eh? (It's up there with the "Bag O'Glass" childrens' toy made famous by the Saturday Night Live skit with Dan Aykroyd aka "Irvin Mainway"). All kidding aside, a patron there was allegedly sold a "30 pack" of beer (seriously-there is such a thing?), drank enough of it there to get hammered, and drove away...killing one motorist and paralyzing another.
MANY SUSPECT BUSINESSES LIKE THIS DON'T CARRY INSURANCE..
A lawsuit waiting--no SCREAMING--to happen, and for good reason. If the facts of the lawsuit are true, this despicable establishment should be sued out of existence and shut down. But here's the problem. Most likely, this joint probably had no liability insurance to cover its stupidity. And I'd also wager that neither did the drunk driver. Thus. the families could be stuck with a 7 figure, uncollectible verdict against these miscreants.
The teaching point here is that there are many irresponsible businesses out there like drive thrus, bars, and strip clubs, who sell alcohol irresponsibly to people who are equally moronic when they get behind the wheel. The only way you can protect yourself as a motorist is to buy as much uninsured and underinsured motorists'(known as UM/UIM) coverage as you can afford to buy. This is the most important coverage you can buy for your auto policy. Why? Because it allows you and your family to pursue a claim against your own company when someone with little or no insurance injures you.
THE ONLY ONE TRUE WAY TO PROTECT YOUR FAMILY (AND DON'T EXPECT YOUR AGENT TO EXPLAIN THIS THOROUGHLY TO YOU...)
Most insurance agents do a poor job of emphasizing the importance of this coverage. And here's a secret you won't likely hear from your agent: you can probably upgrade your standard, lousy "full coverage" $100,000 auto policy to $500,000 or even $1 million in UM/UIM coverage for about $150 per year.
That's about half the cost of a monthly 30 pack...