In the case of an automobile accident resulting from driving under the influence, who is typically responsible for the medical bills according to most insurance policies?

In cases of automobile accidents where the driver is found to be driving under the influence, most insurance policies typically stipulate that the insured is responsible for their own medical bills. This is based on the principle that insurance policies often include provisions related to coverage exclusions, particularly concerning illegal activities such as driving while impaired.

When a driver engages in behavior that is unlawful—such as operating a vehicle under the influence of alcohol or drugs—insurance companies may deny coverage for any claims arising from incidents related to those actions. This means that any medical expenses incurred as a result of an accident under such circumstances would likely fall to the insured themselves rather than being covered by the insurance policy.

Typically, insurers have clauses that explicitly exclude coverage for damages or injuries resulting from illegal activities. Thus, in these situations, the responsibility for medical bills usually lies with the individual driver, making them accountable for the costs associated with their own injuries and those sustained by others in the accident.

The other options do not accurately reflect how insurance policies generally operate in such scenarios. For instance, insurers may not cover all expenses, family members would not be held liable for the insured's actions, and the state typically does not cover personal medical expenses in situations stemming from driving under the influence.