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Can an insurance company refuse to pay in a DWI case?

Question Details: My son totaled his car, which we insured. The police report indicated he had a sizeable amount of Xanax in his blood, which was not prescribed. The car was called a total by the appraiser with a payout of $6,700. However, the adjuster then left a message indicating she must speak with our son before any processing is to take place. No charges by police as yet, and the accident was 10 days ago.

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