Florida Health Insurance Terms:
What are my policy "Exclusions?": These are specific conditions listed in your insurance policy which the policy will not provide benefit payments."
The insurance company shall not be liable for any loss sustained or contracted in consequence of the insured's being intoxicated or under the influence of any narcotic unless administered on the advice of a physician.
In some jurisdictions, insurance companies are expressly prohibited from excluding coverage where claims arise from collisions resulting from driver intoxication.
More On Examiners: Exclusions
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