[shadokat]

I don't know that throwing people out of fraternities is necessarily the solution, but I can't say I do know what is. As college students, the opportunity to drink is there, and many take advantage.

Just a point, nationals do insurance on a chapter by chapter basis most times. If your chapter is on a high risk campus, or if you've been in trouble for alcohol or hazing or risk management, then you pay more for insurance. And yes, if you violate policies that are part of the national organization, then you do forfeit your right to the insurance. It is all part of the insurance policy. If you're a local, the insurance companies put provisions in those policies as well to prevent liability. If you break the law, the insurance company can deny you coverage. If they actually do cover the incident, they will then go after the person or persons who were at fault. It's called subrogation, and insurance companies do it all of the time.