Seen 2 instances like this---
1: A drunk driving someone elses car hit my Aunts HOUSE and knocked it off the foundation. They said driver had no permission to drive the car (owner was passed out in the back seat) and refused to pay. Ended up her uninsured motorist insurance kicked in and paid for everything.
2: About same deal, Brother in law was hit head on by a drunk driving someone elses Jeep with no tags, insurance, or license....Same as above, uninsured motorist coverage paid for all of it.