You're driving home along the Long Island Expressway after a late shift. A pickup truck blows a red light at 70 mph and T-bones your sedan. The driver reeks of alcohol. He just left a bar in Mineola where the bartender kept pouring shots for two hours after he was slurring his words. Your husband suffers a traumatic brain injury that ends his career and changes your family forever. The drunk driver carries a $25,000 auto policy. The bar carries $1 million in liquor liability