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In Missouri, a social host may not be legally required to carry Dram Shop Liability Insurance, as this type of insurance typically applies to commercial establishments serving alcohol. However, it is advisable for social hosts to consider obtaining coverage to protect against potential liabilities arising from alcohol-related incidents that occur during gatherings. This insurance can help cover legal fees and damages if a guest causes harm to themselves or others after being served alcohol at the host's event. Always consult with a legal expert or insurance agent for specific advice tailored to individual circumstances.

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What is the Dram Act in Illinois?

The Dram Shop Act is the ability to sue the person or bar that sold the drunk person that caused the injury.http://www.nolo.com/legal-encyclopedia/dram-shop-laws-social-host-liability-alcohol-related-accidents-illinois.html


What is a social host under the dram shop laws?

A social host under dram shop laws refers to an individual who provides alcoholic beverages to guests in a private setting, such as a home or party, rather than a commercial establishment. While dram shop laws primarily target bars and restaurants for serving intoxicated patrons, some jurisdictions extend liability to social hosts if they knowingly serve alcohol to minors or visibly intoxicated guests, resulting in harm to others. This means that social hosts can be held legally responsible for any incidents that arise from the consumption of alcohol they provided.


Can you claim personal injury if you were at fault?

You can actually sue after a DUI accident that was caused by you if you were served alcohol as a minor. Under Social Host Liability laws and Dram Shop Laws, a minor who was served alcohol and later gets into a serious DUI accident can sue the person or establishment that served him or her. For example, if a underage person is given alcohol at a bar or at a party-by the host of the party-and then gets in a severe wreck, he can sue for his own injuries. The links below go into Social Host and Dram Shop laws in more detail.


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Which states are required to follow the Dram Shop Act?

The only states that I have found which has caused some kind of awareness is Texas and New Jersey in particular; because a minor they can sue a establishment for injuries that they have acquired from being intoxicated.


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What is the Social Host Law?

Before defining Social Host Laws, we need to answer who is a Social Host?You are a Social Host if you permit drinking in your residence or place of business. That's neither bad nor good, by itself. There are different laws governing your actions depending on the age of your guests. If your guests are adults ages 21 and older, each jurisdiction may have laws determining your liability if any of your adult guests has too much to drink and injures him/herself or others, on your property or off, in a car or not. As the Social Host, you may be criminally or civilly liable for if your guest is injured, or you may be civilly liable for any injury or death of a third party, and any property damage, if your guest causes the damage, the injury or death.If your guests are under 21 years old, the Social Host's liability may be more serious. You are a Social Host if you permit minors to drink in your residence or place of business. While it is illegal for anyone to purchase, serve or provide alcohol to underage drinkers, being a Social Host is prohibited as well by most jurisdictions. Depending on your area's specific law, even minors may be liable for being a Social Host to other minors.What are Social Host Laws (SHLs) or Social Host Ordinances (SHOs)?They're a wide-ranging -- and often confusing -- group of criminal and civil laws aimed at the people (the host) who control the location (house, apartment, business, fraternity house) where underage drinking has occurred. Usually it's a law targeting inaction or passivity, when the host is aware that minors are drinking but doesn't try to stop them. Being a Social Host is often confused with giving teens alcohol. That's called furnishing -- meaning to actively provide, serve or purchase -- alcohol for minors. Every state criminalizes furnishing teens with alcohol. Not every state considers being a Social Host a criminal act, or even a negligent one.Your area may not have a specific Social Host Law. Instead, they may have added a clause to the existing furnishing alcohol to minors law prohibiting "permitting" or "allowing" minors to drink.There are good national sources for learning more about the relevant laws in your area.APIS (Alcohol Policy Information Systems) - Profiles of Underage Drinking Laws http://www.alcoholpolicy.niaaa.nih.gov/state_profiles_of_underage_drinking_laws.html. A project of the National Institute on Alcohol Abuse & Alcoholism, they are the best place to start. Be aware though their data is updated annually (January 1, 2011 is the current date) and therefore may be out-of-date.Underage Drinking & the Law - http://socialhostlaw.com/social-host-laws-by-stateA volunteer effort to provide an up-to-the minute nation-wide clearinghouse of information on Social Host Laws and general underage drinking laws. It offers articles on what's happening nationally and a section that updates both existing and pending legislation weekly. The link is to the most recent laws by state.