What does it mean to implicitly allow insurers to use alcohol exclusions?
The 9 states that implicitly allow alcohol exclusions do not have a specific law related to exclusions. Instead, courts have ruled that, in the absence of explicit laws, insurance companies can sell policies that use exclusions to limit liability. Court rulings vary by state, with some being more lenient (requiring proof only of alcohol use prior to injury) and others being more strict (requiring proof of a causal relationship between the use of alcohol and the injury).
