Schedule I

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Rating

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Gameplay

Lasting Appeal

Clear Legal Boundaries
Schedule I classifications help insurers set clear guidelines on what is covered and what is not, reducing legal ambiguities in claims.
Risk Mitigation for Insurers
By excluding Schedule I-related incidents, insurers can avoid high-risk situations, leading to more stable premium pricing for the general public.
Policyholder Awareness
The strict stance on Schedule I substances forces policyholders to be more aware and cautious about their actions and disclosures.

Coverage Gaps in Legal Use States
Even in states where cannabis is legal, federal Schedule I status can result in insurance denials, creating unfair coverage gaps.
Increased Claim Denials
Claims involving Schedule I drugs—even if unrelated to the cause of loss—are often automatically denied, frustrating policyholders.
Outdated Classifications
Some drugs listed under Schedule I (like cannabis) have proven medical benefits, but their classification still impacts insurance coverage unfairly.