Jeez, you don't need a law degree to RTFP.
Just look for an exclusion based on illegal, race, or equipment known to be blah, blah, blah. Then see if there's a causation tie. It wouldn't make a lot of sense to deny coverage from a daytime accident based on "illegal headlights," right? Or the fact that you illegally removed your PCV valve, rear view mirror, etc. C'mon guys, think....
