Florida Life and Health Insurance License Practice Test

According to the Intoxicants and Narcotics exclusion, who is responsible for paying the medical bills in the event of an automobile accident caused by the insured driving while intoxicated?

1. The insured

2. The insurer

3. The government

4. A third party

The correct answer is: The insured

In this specific scenario, the insured is responsible for paying medical bills in the event of an automobile accident caused by their own intoxication. This is because intoxication and narcotics are typically excluded from insurance coverage, meaning the insurer will not cover any resulting medical expenses. Option B, the insurer, is incorrect because as stated, they will not cover medical bills in this case. Option C, the government, is incorrect because they generally do not bear responsibility for an individual's actions while under the influence. Option D, a third party, is also incorrect because they would only be responsible if they were the cause of the accident, not the insured. Therefore, the insured is the only party responsible for paying the medical bills in this situation.