Why Do Insurance Companies Avoid Alcohol Exclusion?

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Meta Title: Insurance companies cannot deny due to intoxication in Nevada.

Meta Description: The law in Nevada protects consumers from being denied health insurance coverage based on intoxication.

Meta Keywords: Nevada Insurance Alcohol Exclusion

Summary: Nevada state laws prohibit denial of insurance claims based on intoxication.

Intoxication and Insurance Claims in Nevada

Beginning in the 1940s, many states passed alcohol exclusion laws that allowed insurance companies to deny health insurance claims based on the use of alcohol. Then, insurance companies began writing alcohol exclusion clauses into their policies. One intent of such state laws was to reduce the incidence of drunk driving. Another was to save insurance companies money. Most states still do this. Nevada is on a short list of states which prohibit this practice.
This is true even if the insurance policy has an alcohol exclusion clause written into it. Insurance companies must abide by individual state laws. This means that the same policy issued by the same insurance company may be enforced differently depending upon the state of residence of the insured.

Some Insurance Companies Look for a Reason to