Yes, It Is

The Washington Post poses this question:

My son was denied coverage on the basis that he had been drinking before going to the ER with a broken shoulder. Is drinking a legitimate reason for denial of coverage?

Yes, it is. Why should those of us who pay insurance premiums (and they’re sky high!) have to pay for your drunken son’s injuries? Heartless? Hardly. What’s really heartless is the notion rampant among so many that the entire public owes them help when they act stupidly and foolishly. That’s real heartlessness, real selfishness.

If he had been injured in an accident sure, he should be covered. Insurance is for accidents or conditions over which we have little or no control. Drunks, on the other hand, bring disaster upon themselves knowingly and willingly. They should bear the financial cost for their actions themselves.  The insurance paying public shouldn’t be saddled with the high cost of stupidity.

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6 thoughts on “Yes, It Is

  1. Jon H 23 Aug 2011 at 1:31 pm

    What if he was drunk, but was a passenger in a car when it was struck by another car, thus causing injuries through no fault of his own?


    • Jim 23 Aug 2011 at 2:57 pm

      then he should be covered as he is not at fault


  2. Scott F 23 Aug 2011 at 1:35 pm

    What will the full list of coverage-denial reasons look like? Hang gliders? Motorcycles? High school football? Church league softball? Being overweight? Eating french fries?

    Yes, it’s our old friend Mr Slipper E Slope


    • Jim 23 Aug 2011 at 2:58 pm

      if your actions are the DIRECT cause of your injury then others shouldnt be forced to pay for it. so, yes, risky behavior like extreme sporting or drunkenness or drug abuse should invalidate coverage. if you CAUSE your disaster, it’s YOURs


  3. Bob Schillaci 24 Aug 2011 at 1:46 am

    Thanks, Jim….just what the world needs. Give crooked insurance companies another rationale to deny coverage.

    I don’t know what is sillier. That idea or your apparent belief that the “savings” will come back to you in the form of lower premiums instead of ending up in the pockets of insurance company executives. Haven’t you been paying attention at all to what is going on in this country?


    • Jim 24 Aug 2011 at 6:26 am

      as opposed to crooked crook insurance scam artists you mean?


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