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About Richard Hixenbaugh
Expertise
Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.
Experience
I have been involved in the insurance industry for over 20 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 10 times.
Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.
Past/Present clients
My company has done work for consumers nationwide.
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You are here: Experts > Autos > Auto Insurance > Auto Insurance Claims > Insurance claim
Expert: Richard Hixenbaugh - 11/10/2009
Question
If someone were to total a vehicle resulting in injuries to the operator in the state of Rhode Island, can that persons insurance company use blood test results taken at the hospital that were not ordered by the police, as part of the claim investigation? If so can they deny the claims based on the test results?
Answer
Hi Roger,
You are actually asking a legal question not an insurance question. But I will do my best.
In many states it is standard procedure to do a blood alcohol test when someone is brought into a hospital after an auto accident. The police do not necessarily need to order the test. If the alcohol level is above the legal limit then it could be grounds to deny coverage if the policy contains an exclusion for damage caused while under the influence.
You should contact an attorney, review your policy and explain your rights.
I hope this helps
Richard Hixenbaugh
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