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The question can be interpreted in a couple of ways.
First, if it refers to life insurance (a type of first-party coverage), assuming that the insured was forthright in completing the application (that is, answering all health and lifestyle questions honestly), and the policy was nonetheless issued, it is likely that that the insurer will honor the policy and pay death proceeds. A situation may be, for example, if the insured dies from liver illness due to over-consumption of alcohol.
Alternatively, the question may refer to third-party coverage, such as auto liability insurance. A circumstance that might arise is that the insured is driving while legally intoxicated, has a collision, and kills someone. Many policies have an exclusion for this type of act, because drink driving, if proven, is a crime, tantamount to an intentional act. Liability policies generally cover accidental, not intentional acts, so the insurer may put up a fight over coverage for the occurrence.
As an aside, the law of many states is such that drunk driving can give rise to a claim for punitive damages if the insured injures someone, say, in an auto collision. In order to avoid the potential exposure to punitive damages, the insurer may decide to honor the claim, despite the fact that it may have a technical coverage defense based upon the above explanation.
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∙ 13y ago
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Have you heard of a company called Cobra Insurance in the United States?
There is no company called Cobra Insurance. What you're thinking about is COBRA insurance, which stands for Consolidated Omnibus Budget Reconciliation Act, which for most people its main usage is allowing you to basically pay your premiums for your old job's insurance when you leave the company until you get new insurance or 18 months.
What is the usage of alcohol?
Rubbing or drinking
When did Computer Usage Company end?
Computer Usage Company ended in 1986.
When was Computer Usage Company created?
Computer Usage Company was created in 1955.
What is the correct usage of alcohol?
In medicine alcohol is used to sterilize, whether it be skin or instruments.
What is a common carrier on a life insurance plan?
Check the policy for the definition. If not defined, the general usage of the word would apply. Check your dictionary. 1. transportation company: a company in the business of transporting goods or passengers
What are the leading causes of death in history?
Smallpox, Cancer, Diarrhea, Suicide, Murders, Violence, Sexual transmitted diseases, Drug usage, Alcohol usage, War, Astma, Poisoning, Drowning, Falling, Fires, Measles, Traffic accidents, Tuberculosis, Digestive problems, Parasites, Strokes
I recently came across a situation where my insurance was falsified.?
You always have to verify that the web address for the insurance company is the correct one. Also, the company itself might promote different services through the usage of pop ups. But yes, it is possible, I would visit the company website and see if the same quote/pop up is given, and if my email and password are not compromised.
What causes fatty infiltration of pancreas?
obesity, alcohol usage, prednisone
What does the US Department of Agriculture and Health and Human Services recommend about alcohol usage?
Use alcohol sparingly or avoid it altogether.
Is there a company that handles the tract phones for cell tower usage?
There is no company that handles tract phones for cell tower usage. That may not be what your looking for. Good luck!!!!!!!!!!!!!!!!
Can i get car insurance if you no longer have car but drive rental cars?
Rental Car InsuranceIf you do not own a car and need insurance for a Rental Car, You will need to Buy the Insurance that the Rental car Company offers with your rental. Do Not buy Non-Owners Insurance with expectations of it covering a Rental Car, It will Not. Many people have tried this and regreted it. Non owners policies are for unplanned, unexpected usage of an automobile.A rental car necessitates both a plan and an expectation of usage, thereby voiding all coverage under the nonowners policy.Non Owners insurance would not cover you in a Rented Vehicle nor would it cover anyone you hit. The insurance company would simply deny coverage for the claim. It would be the same as Driving "Un-insured". You will be left with Traffic tickets for driving without the appropriate insurance and will be held personally liable for all damages.
