保险公司先行赔付再和酒驾或违规的人追责赔付。
前提是有交警涉入，是在公共交通（比如马路上）发生的，具体道路法中也有规定保险公司必须先行赔付。

如果对方不理睬你
It is advisable to see a lawyer. Please remember that lawyers can represent you only if you authorize them to do so, usually by signing a warrant to act. Please be informed that vehicle workshops are not authorized to make claims on your behalf.

参考这个连接
http://www.lawsociety.org.sg/forPublic/YoutheLaw/RoadAccidents.aspx

http://statutes.agc.gov.sg/aol/search/display/view.w3p;query=DocId%3A9734be6d-4ff3-40be-82f3-410c200bcea3%20%20Status%3Ainforce%20Depth%3A0;rec=0

法律相关解读参考这段
In Singapore, the Motor Vehicles (Third Party Risks and Compensation) Act (Cap 189, 2000 Rev Ed) makes it compulsory for motorists to insure against liability for causing death or personal injury to other road users. The injured victim is not a party to the insurance contract. But under the Motor Vehicles (Third Party Risks and Compensation) Act, he is granted an enforceable right to claim damages from the insurer if he first obtains judgment against the motorist. The issue arises as to whether the injured victim of a road accident is able to claim if the motorist had committed a traffic offence (such as drunken driving or causing death by a rash or negligent act). The objective of compulsory motor insurance is the protection of victims of road accidents and public policy tends to operate in favour of the injured victim because compensation of the injured victim is stronger policy consideration than deterrence. Hence, it is arguable that the injured victim’s claim is not affected by the motorist’s commission of traffic offences.

出处：http://www.singaporelaw.sg/sglaw/laws-of-singapore/commercial-law/chapter-24
搜索motor insurance

你太谦虚了。什么问题有关法律的都会想到你。

马驰法拉利事件
至少我们保险领域的人对这公司印象不好

就庭外和解了。