Will Your Insurance Cover Alcohol Intoxication?

There are various rules and regulations regarding insurance coverage. In addition, different US states treat alcoholism and other crimes committed by people who drink too much differently.

alcohol abuse, health insurance

This affects how insurance companies cover crimes committed under the influence of alcohol and other substances. This article looks at whether your insurance is likely to cover alcohol poisoning and what alcohol exclusions you should be aware of.

What’s Alcohol Intoxication?

Alcoholism is defined as a blood alcohol concentration (BAC) greater than 0.08%. This means that he considers as drunk a person who has had two or more drinks within two hours. Legal limits for drunk driving vary from state to state, but most states set the BAC limit at he 0.08%.

Do Insurance Companies Cover Alcohol Intoxication?

Insurance policies typically do not cover drunk driving injuries. Nor will we pay claims for damages caused by alcohol poisoning.

If you are convicted of driving while intoxicated, your insurance may not cover the damage you cause.

However, even if you are convicted as a driver with a disability, some of these costs may be covered by insurance.

For example, if you get into an accident while intoxicated, your insurance company may be able to cover the cost of repairing your car.

Covers the cost of replacing stolen items. B. I will take over your car. However, medical expenses related to alcohol consumption cannot be covered.

Similar rules apply to other crimes committed under the influence of alcohol or other substances, such as robbery or injury to others or yourself. Insurance covers all possible situations. If you want to be sure that you are covered, you should consult your insurance company.

Exclusions Related To Alcohol Intoxication

There are certain types of accidents that insurance companies simply don’t cover. These must be listed as exclusions on the insurance policy.

These exclusions are:

  • Accidents involving drunk drivers
  • Accidents where alcohol was involved
  • Accidents that occurred when the person was on probation
  • Accidents that resulted from using illegal drugs

The above exclusions are only examples. Individual insurance companies usually have exclusions.

Exclusions may also vary depending on your state. Each state has different rules and regulations regarding drunk driving and other crimes.

There are three types of alcohol exclusion clauses:

  • The first type is a general exclusion clause. It will exclude cases where the insured person was legally drunk.
  • The second type is a specific exclusion clause. It only excludes cases where the insured person had a high level of alcohol in his blood.
  • The third type is a combination of both. This means that the insurance provider will exclude cases where the person was either legally drunk or had a high level of blood alcohol content.

While there are no exceptions to the law, it is important to note that most insurance companies do not cover cases where the insured is arrested for driving under the influence (DUI).

This is because DUI arrests are considered civil cases. Insurance companies therefore view this as a separate incident from a DUI offense.

In addition, most insurance companies do not cover injuries to other people caused by another person who was driving under the influence.

Always check with your insurance company if you have been involved in an alcohol-related crime. You should also ask about any exclusions that apply to your particular situation.

How Do You Know If My Insurance Company Will Cover Alcohol Intoxication Cases?

There are several different ways to find out whether your insurance provider will cover any cases of alcohol intoxication.

It may not affect your benefits in the case of a flight delay or cancellation due to weather, but it may void your emergency medical coverage in case of injury. Does Travel Insurance Cover Alcohol Related Accidents? Most likely, no. While the travel insurance companies do have a right to deny a claim based on intoxication, most will also look at how the alcohol played a part in the incident.

Can a medical claim be denied because of drinking?

Insurance.com provides comprehensive information about your insurance choices and provides a comprehensive list of options for making a confident decision. Our content is reviewed by insurance experts and our research methodology is backed by reliable data.

Insurance.org maintains editorial integrity by securing complete freedom of editorial. Imagine drinking a beverage on the dance floor and falling into the floor, ending with a broken ankle and going into an ambulance. Imagine how shocked you are when your insurance provider denied you because of your drinking.

Does insurance cover alcohol poisoning?

The toxic effects of alcohol poisoning can be severe. Sometimes alcohol poisoning can lead to a coma and requires prompt treatment. What about drinking poisons? This is an update; we invite you to ask questions about our coverage at this point.

Will life insurance pay if alcohol in system?

When someone dies due to alcohol use, an insurer may reject this claim. Unless it is caused by the insured’s intoxication or the death is direct from alcohol poison it is likely to cause denials.

If you suspect that you or a loved one is suffering from alcohol poisoning and have no insurance, seek emergency medical treatment immediately. If you have any additional questions about medical insurance for alcohol poisoning, feel free to leave them in the comments section below.

Can insurance deny a claim if you were drinking?

While not usually practiced the case does occur when alcoholic substances have been found.

For example, “an insurance contract might exclude coverage for injuries caused by the insured’s own negligence or reckless behavior without specifying alcohol intoxication as a form of negligence or recklessness.” Gentilello says most insurers vet larger hospital bills more closely than less costly ones.

Is alcohol intoxication a diagnosis?

Diagnosis can be made by historical events or physical tests. A witness can confirm an event’s significance. Legally, alcohol intoxication is defined as a blood alcohol concentration above 5.4 mmol/L (25–80 mmol/l – 0.05 % ).

seek treatment, national institute, intoxication exclusion

Health Insurance Policies

Some health insurance companies are explicit about their policy on alcohol use. For example, some group health insurance policies offered by the Council on International Educational Exchange (CIEE) state: “Your medical treatment will not be covered if you are injured or become ill while under the influence of alcohol or drugs (other than those prescribed by a physician).”

Can you get hospitalized for drinking too much?

When people are delayed by 911 calling 911, they may get severely brain damaged, have heart attacks and strokes and may also die. Treatment for drinking disorders can be very important.

Imagine having a beer or one cocktail at a party, tripping over the carpet, and winding up in the emergency room with a broken ankle. Now imagine the shock of finding out later that your health insurer denied your claim due to the presence of alcohol in your system. As of 2021, 23 states have alcohol exclusion laws on the books.

Read Your Policy Carefully

If you purchased your insurance policy online, you may not have read it carefully enough. Insurance policies often contain many pages in fine print. Many people skim through these sections without reading them all. However, this can cause problems later.

For example, if you find that your insurance company doesn’t cover alcohol poisoning, you could end up paying more than you should if you haven’t read the bylaws. So always read the policy carefully to see if it covers or excludes your particular case.

Call Your Insurer

Another way to find out if your insurance company covers alcohol poisoning is to call your insurance company directly. Ask what you would do if you were involved in an alcohol-related accident. They may say they pay for medical bills, but nothing else. Also, check with your insurance company for specific exclusions in their policies.

Find Out What’s Legal In Your State

Alcohol poisoning laws vary from state to state. For example, some states allow drivers to drive with a small amount of alcohol. Other states prohibit driving after drinking alcohol. In some states, drivers are even prohibited from driving a vehicle if their blood alcohol content exceeds a certain limit.

Check With A Lawyer

Finally, you should seek legal advice before making any decisions. Attorneys can help you understand the nuances of the law in your area. It can also provide valuable insight into which course of action will work best for you. increase.


Alcohol intoxication can cause critical injuries or injuries. Often, coverage corporations do now no longer cowl any alcohol-associated claims. Therefore, it’s miles critical to ensure which you are privy to all feasible exceptions on your coverage.

Ryan Ascroft