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Can a life insurance agency deny coverage for excessive blood alcohol content?

On Behalf of | Aug 18, 2020 | Insurance Disputes

Many Oklahoma City residents have some kind of life insurance. Reading the fine print of a life insurance policy is not something that most people do. If a person dies they assume that their beneficiary will receive the full amount of their life insurance policy. Unfortunately, this is not always the case and an insurance company often works hard to find whatever loopholes it can to not have to pay out the settlement money. There are many situations that are listed in the fine print of an insurance policy in which the insurance company will not pay. One of the exclusions that is in many policies is the alcohol exclusion.

An alcohol exclusion law allows insurance companies to deny coverage for those who have a blood alcohol concentration of a certain amount at the time they are injured or killed. If the death has nothing to do with the consumption of alcohol, a person’s claim can still be denied if there is any alcohol in the victim’s system. In Oklahoma, the law explicitly allows an insurance company to have alcohol exclusions.

A life insurance technicality can be devastating for a family who has just suffered a tremendous loss. If an insurance company is refusing to pay a life insurance claim a person may want to speak with an attorney who specializes in denied insurance claims. An attorney can help their client by reviewing the reasons why a claim was denied. They can help their client appeal their claim if it was unfair or unlawful.

There is a lot of fine print in a life insurance policy. It is important that consumers understand that insurance companies are out to make money and their bottom line is sometimes more important than their customer’s livelihood. If a family has a denied life insurance claim an attorney may be able to help.