The Alcohol Exclusion Law, embedded in the Uniform Accident and Sickness Policy Provision Law (UPPL) of many States, allows insurance companies to deny reimbursement to hospitals for treatment to those who are injured while impaired by alcohol or any drug not prescribed by a physician at the time of injury. By denying insurance coverage for injuries suffered while under the influence, the Alcohol Exclusion Law was intended to discourage drinking and save insurance companies money. However, such laws may have an unintended consequence of limiting the ability of physicians to recognize people with alcohol or drug problems and refer them to treatment. In addition, the laws may reduce the incentives for physicians to test BACs of injured people who may have been driving at the time of their injury and may also deter injured drivers from seeking medical treatment.


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