Laws Allowing Insurers to Deny Alcohol-Related Claims Do Not Deter Drinking, Study SuggestsResearch Society on Alcoholism
State laws designed to prevent dangerous drinking behaviors do not appear to have that effect, according to a study published in Alcoholism: Clinical and Experimental Research. Alcohol exclusion laws allow insurance companies to deny payment for injuries caused by alcohol consumption and were adopted more than seventy years ago to prevent problem drinking and related insurance costs. But a rigorous analysis of drinking behaviors found no evidence that repealing these laws increases alcohol consumption or binge drinking. Previous reports have found these laws to be a barrier to screening and treatment for alcohol issues, resulting in billions of dollars in added healthcare costs.