Alcohol Exclusion in Insurance Law
The problem of drinking and driving has been targeted on multiple occasions by lawmakers and even insurance companies. These legal pressures culminated in the 1940s with alcohol exclusion laws. According to these laws, any accident that can be blamed on alcohol abuse may violate the terms of an insurance policy, leading to denied claims.
If you have been denied your proper coverage, contact the Waukesha insurance claim attorneys of Habush Habush & Rottier S.C. ® at 800-242-287 to discuss your claim with a professional advocate today.
The Legal Landscape
Loopholes in alcohol exclusion laws appeared within a few years of their creation, leading some states and organizations to turn against the law. As healthcare providers could refuse to test for alcohol abuse, meaning that insurance would still cover the cost of treatments, it became difficult to reveal drunk drivers. As a result, the following applies to certain states:
- The majority of states retain their alcohol exclusion laws.
- Few states never passed alcohol exclusion laws, and use court precedents instead.
- A growing minority have repealed their alcohol exclusion laws.
The state of Wisconsin falls into the smallest category, as their laws follow the decision of the courts. As courts have already protected exclusion laws, and apply them where states will not, alcohol exclusion is legal in Wisconsin.
Following an accident, the damages sustained to a vehicle and the injuries suffered by those involved can be prohibitively expensive to work through without some form of insurance. Contact the Waukesha insurance claim lawyers of Habush Habush & Rottier S.C. ® by calling 800-242-2874 today to learn more about how legal action can help your situation.