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Department of Health Policy, School of Public Health and Health Services, The George Washington University


SAMHSA Policy Brief


Alcohol; Uninsured


This Policy Brief reviews judicial decisions construing state laws that permit insurers to include intoxication exclusionary clauses in their insurance policies. The cases and state laws examined in this analysis span health, life, disability, accidental death and dismemberment (AD&D), workers compensation, and unemployment insurance. Some variant of the intoxication exclusionary clause appears across all of these products, depending on the state. The widespread nature of such laws has its roots in the 1947 Uniform Accident and Sickness Policy Provision Law (UPPL), a model statute whose broader public policy purpose was to avoid the use of insurance to protect against the risk of unlawful conduct.


Funder: Substance Abuse and Mental Health Services Administration (SAMHSA).

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Health Policy Commons



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