Alcohol Exclusion Laws
When lawmakers moved to stop a growing trend of drinking and driving in the late 1940s, the National Association of Insurance Commissioners offered a solution that would affect drivers’ insurance policies. Known as alcohol exclusion laws, these laws were eventually passed throughout the majority of the United States. According to these laws, an insurer could drop a motorist’s coverage for any incident in which alcohol was involved.
For more information regarding your insurance options, contact the Chicago auto insurance experts of Insure on the Spot today by calling 888-972-SAVE.
Alcohol Exclusion Loopholes
Alcohol exclusion laws applied in any situation where alcohol played a major factor in the accident. While this punished intoxicated drivers, it also prevented physicians from helping certain insured patients because of the coverage drop. As a result, the following pattern developed because of these laws:
- Doctors would not test patients for alcohol level
- Doctors would not be able to report intoxicated patients
- Police could not issues DUIs
- Insurance companies never learn about drunk driving incidents
In the past several years, many states have started to repeal these laws due to this common loophole. In these states, a driver may still lose their coverage because of a DUI conviction, but cannot lose coverage for lesser intoxication problems. Illinois is one of these states.
Contact Us
If you need an insurance policy following a coverage drop due to a DUI conviction, we can help. To learn more about your policy options, contact the Chicago auto insurance experts of Insure on the Spot today at 888-972-SAVE.
