Take the following as truth: The model law states, The insurer shall not be liable for any loss sustained or contracted in consequence of the insured's being intoxicated or under the influence of any narcotic unless administered on the advice of a physician.
Then the following statement: "The insurer is to be held liable even if the insured is intoxicated or under the influence of any drug or narcotic." is true, false, or inconclusive?
Answer: False