Morgantown, WV asked in Personal Injury for West Virginia

Q: My son was in a physical fight while drunk and was injured

-- will insurance cover any of the costs if he is the one that started the fight?

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1 Lawyer Answer

A: His health insurance will pay his medical bills to the extent his policy provides and subject to his deductible, regardless of who started the fight.

It is unlikely that any policy providing liability insurance will pay either party in a fight. Most liability policies exclude coverage for intentional acts, so even if your son was attacked, any liability insurance company would probably deny the claim. Liability insurance companies insure against losses caused by negligent acts, not those caused by intentional acts.

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