{"id":3130,"date":"2025-12-11T15:13:16","date_gmt":"2025-12-11T15:13:16","guid":{"rendered":"https:\/\/www.insuracarelife.com\/blog\/fifth-circuit-revives-coverage-rejects-occidental-homeowners-drug-exclusion\/"},"modified":"2025-12-11T15:13:16","modified_gmt":"2025-12-11T15:13:16","slug":"fifth-circuit-revives-coverage-rejects-occidental-homeowners-drug-exclusion","status":"publish","type":"post","link":"https:\/\/www.insuracarelife.com\/blog\/fifth-circuit-revives-coverage-rejects-occidental-homeowners-drug-exclusion\/","title":{"rendered":"Fifth Circuit revives coverage, rejects Occidental homeowners\u2019 drug exclusion"},"content":{"rendered":"<div>\n<p paraeid=\"{b7b7c004-8da5-40cb-8b41-0da5f806ccc6}{111}\" paraid=\"980269298\">The case stems from a July 2019 incident at the Houston-area home of Ryan\u00a0Zinkweg, whose parents were insured by Occidental Fire &amp; Casualty Company of North Carolina. After\u00a0Zinkweg\u00a0and his friend, Christoffer Cox, took what they believed were LSD tablets (Cox also took what he believed to be one THC gummy), Cox fell from a knee\u2011high bed onto a carpeted floor, striking his head on a nightstand.\u00a0Zinkweg\u00a0did not\u00a0immediately\u00a0call 911, believing Cox\u2019s condition was drug-related and concerned about getting caught. He phoned a sober friend, Sammy Azhar; together they moved Cox on\u00a0to the bed without stabilizing his neck or spine. Cox is now a quadriplegic.\u00a0<\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>The case stems from a July 2019 incident at the Houston-area home of Ryan\u00a0Zinkweg, whose parents were insured by Occidental Fire &amp; Casualty Company of North Carolina. After\u00a0Zinkweg\u00a0and his friend, Christoffer Cox, took what they believed were LSD tablets (Cox also took what he believed to be one THC gummy), Cox fell from a knee\u2011high [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3131,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[1625,292,506,1917,457,1916,884,1397],"class_list":["post-3130","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-circuit","tag-coverage","tag-drug","tag-exclusion","tag-homeowners","tag-occidental","tag-rejects","tag-revives"],"_links":{"self":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/posts\/3130","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/comments?post=3130"}],"version-history":[{"count":0,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/posts\/3130\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/media\/3131"}],"wp:attachment":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/media?parent=3130"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/categories?post=3130"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/tags?post=3130"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}