What Are Alcohol Exclusion Laws?
Drinking and driving as been a serious concern for American lawmakers since the appearance of the earliest consumer models, eventually warranting the passage of legislation to prevent further incidents of drunk driving. As a movement spearheaded by the insurance industry, alcohol exclusion laws were passed through the 1940s as an early measure to crack down on this extremely dangerous practice. However, after a few decades of existence, problems and loopholes began to appear surrounding the law, making DUI detection more difficult than before.
If you have questions concerning your insurance policy, contact the Illinois auto insurance experts at Insure on the Spot today at 888-972-SAVE for more information.
Loophole Issues
Standard practice for states with alcohol exclusion laws was intended to block drivers involved in crashes in which alcohol was a causative factor from using their insurance policies. According to the laws, insurers could deny coverage to anyone found with alcohol in their system following a crash. However, the following loopholes developed in part due to doctors’ commitment to providing medical treatment with insurance:
- Injured drivers go for treatment
- Doctors avoid tests or detection methods for alcohol
- Injuries are treated accordingly
- Drivers may still file the costs with their insurer
Over the years, these flaws became well-documented, becoming a proven method for drunk drivers to completely avoid detection, and therefore punishment. As a result of these problems, many states have begun to or already have repealed these laws.
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Understanding how insurance works in your jurisdiction can help you to find the right policy for your needs. For assistance with your insurance needs, contact the Illinois car insurance experts at Insure on the Spot by calling 888-972-SAVE. Let our experience and knowledge go to work for you today.
