Insurance Claims and Alcohol Use
During the 1940s, lawmakers around the United States were asked by the National Association of Insurance Commissioners to enact legislation that would make it legal for insurers to turn down a claim on the basis that the accident involved the consumption of alcohol. These laws – known as alcohol exclusion laws – were proposed to each state, with the majority approving. As the years passed, however, loopholes present in the legislation began to appear and were suspected of making drunk driving easier to conceal. As a result, alcohol exclusion laws have recently been campaigned against by many groups, and some states have even repealed their existing laws.
If your insurance provider has unfairly denied your claim, it is important that you fight back. Contact the Rhinelander insurance claim lawyers of Habush Habush & Rottier S.C. ® at 800-242-2874 for more information.
The Law and Insurance Claims
Exclusion laws have become especially troublesome due to the fact that they effectively deny insurance claims related to crashes involving alcohol. As a result, insurance companies support the law, considering that their profits are protected from drunk driver claims. Some of the following loopholes apply to the law:
- Healthcare providers require insurance payments for treatment costs
- Doctors may intentionally not check for blood alcohol content
- If not proven drunk, drivers retain their coverage
- Without a loss of claim coverage, no prevention occurs
As this is the case, it is unsurprising why some states would repeal these laws. In the state of Wisconsin, there is no law regarding alcohol exclusion, meaning that the precedents of the court stand as a working law. In this sense, alcohol exclusion does exist in Wisconsin.
If an insurance claim of yours has been rejected by your policy provider, contact the Rhinelander insurance claim attorneys of Habush Habush & Rottier S.C. ® by calling 800-242-2874 to discuss the details of your situation.