Auto Insurance Oregon
Reader’s Question:
I would like to know if Oregon have an alcohol exclusion law?
Karen
Eugene, OR
Alcohol exclusions within insurance policies allow insurance companies to deny coverage to those injured while under the influence of alcohol. Exclusions can be used to deny payment to medical payments to hospitals and doctors. Some states laws is requiring proof only of alcohol use prior to injury and others being more require proof of a causal relationship between the injury and the use of alcohol.
From my understanding Oregon now prohibits insurance companies from using alcohol exclusions. Since legislature and court rulings vary by state, to check the exact status on alcohol exclusion and what the recent changes made to the Oregon Statutes lets say specifically regarding this concern, check with the Oregon Insurance Division. You may be able to research the issue by going through the Oregon Legislature site.
