<prompt> Translate the following text to EnglishSheria ya mfano inasema, Bima haipaswi kuwajibika kwa hasara yoyote iliyopatikana au iliyopatikana kwa sababu ya mtu aliyehifadhiwa kuwa amelewa au chini ya ushawishi wa dawa yoyote ya kulevya isipokuwa inasimamiwa kwa ushauri wa daktari.  <response>: The model law states, The insurer shall not be liable for any loss sustained or contracted in consequence of the insureds being intoxicated or under the influence of any narcotic unless administered on the advice of a physician. 