Who is responsible for the medical bills if the insured is driving while intoxicated?

The responsibility for medical bills incurred while the insured is driving while intoxicated typically falls on the insured due to the principle of personal liability associated with illegal activities. When an individual engages in reckless or illegal behavior, such as driving under the influence of alcohol, the insurance policy may contain exclusions that limit or eliminate coverage in such circumstances.

Most auto insurance policies include a provision that denies coverage for actions conducted while knowingly breaking the law, which driving intoxicated certainly constitutes. Thus, in the event of an accident while under the influence, the insured would likely be held responsible for their medical expenses.

This underscores the importance of understanding how specific actions can affect insurance coverage, particularly regarding the legal implications of driving while intoxicated.