Will Your Insurance Cover Alcohol Intoxication?

When it comes to insurance cover, there is a large number of different rules and regulations.

In addition, the different US states treat alcohol intoxication and crimes committed by someone who had too many drinks in different ways.

Will Your Insurance Cover Alcohol Intoxication?

This also impacts how insurance companies cover any crimes committed under the influence of alcohol, and other substances.

In this article, we take a look at whether your insurance provider will likely cover alcohol intoxication, and what alcohol exclusions you need to look out for.

What’s Alcohol Intoxication?

Alcohol intoxication is defined as having blood alcohol concentration (BAC) levels above 0.08 percent.

This means that someone who has consumed two drinks or more within 2 hours would be considered intoxicated.

The legal drunk-driving limit varies from state to state, but most states have set their BAC limits at 0.08 percent.

Do Insurance Companies Cover Alcohol Intoxication?

Insurance companies usually don’t cover injuries caused by drunk driving. They also won’t pay out claims for damages caused by alcohol poisoning.

If you are convicted of driving while intoxicated, your insurance company may not pay for any damages caused by you.

However, if you were found guilty of being an impaired driver, your insurance might still cover some of these costs.

For example, if you were found responsible for causing an accident because you were drunk, your insurance company could potentially cover the cost of repairing the car.

They can also cover the cost of replacing stolen property, such as your vehicle. However, they cannot cover any medical bills related to your drinking.

Similar rules apply to other crimes committed under the influence of alcohol and other substances, for example, burglaries or injuries to others and yourself.

What exactly is covered related to alcohol intoxication should be stated in your policy. If you want to make sure your insurance covers all possible situations, you need to speak to your insurer.

Exclusions Related To Alcohol Intoxication

There are certain types of accidents that insurance providers simply do not cover. These should be stated in your insurance policy as exclusions.

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-mentioned exclusions are just some examples. Individual insurance providers typically have their exclusions.

Exclusions may also depend on the state where you live. Different states have different rules and regulations when it comes to 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.

It is important to note that even though there are no exceptions to the law, most insurance providers will not cover cases where the insured person has been arrested for driving under the influence (DUI).

This is because DUI arrests are considered to be a civil matter. Therefore, insurance providers consider this to be a separate event from the criminal act of driving while intoxicated.

In addition, most insurance companies will not cover cases where someone else was injured by another individual who was driving under the influence.

You should always check with your insurance provider if you were involved in an alcohol-related crime. You should also ask them 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

Read Your Policy Carefully

If you have purchased your insurance policy online, then chances are good that you did not read through it carefully enough.

Insurance policies often contain many pages of fine print. Many people skim through these sections without reading them completely.

However, this can lead to problems later on.

For instance, if you notice that your insurance company does not cover alcohol intoxication, but you failed to read the fine print, then you could end up paying more money than necessary.

That’s why always read your policy carefully and check for any specific cases that are covered or excluded.

Call Your Insurer

Another way to know whether your insurer covers alcohol intoxication is to call them directly.

Ask them what they will do if they get into an accident where alcohol was involved. They might tell you that they will pay for medical bills, but nothing else.

Ask them if they would cover injuries caused by a drunk driver. Also, check with your insurance company about any specific exclusion clauses in your policy.

Find Out What’s Legal In Your State

The laws regarding alcohol intoxication vary from one state to another.

For example, some states allow drivers to drive after drinking just a small amount of alcohol. Other states prohibit anyone from getting behind the wheel after consuming any kind of alcohol.

Some states even forbid drivers from operating vehicles when their blood alcohol content exceeds a certain limit.

Check With A Lawyer

Finally, you may want to seek legal advice before making any decisions.

A lawyer can help you understand the nuances of the law in your area. They can also provide valuable insight as to which course of action is best for you.

A lawyer can also help you determine whether or not your insurance company will cover alcohol intoxication cases.


Alcohol intoxication can lead to serious accidents or injuries. Often, insurance companies do not cover any alcohol-related claims.

Therefore, it is important to make sure that you are aware of all possible exceptions to your coverage.

Ryan Ascroft