Quote:
Originally Posted by Dimis
Sorry Patrick, you've concussed me.... 
To extend on your comment above in retort to what Pete stated - Are you suggesting that insurances will pay out a policy holder even if they're criminally liable or at fault? |
Of course they will, that's what you're paying for.
Now, if you
intentionally run someone over with your car, that will be excluded. But just because you broke the law (speeding, drunk driving), or were at fault (sound asleep when you blew through that red light), that's not going to negate your coverage. There are compelling societal reasons for not excluding stuff like this (and even if it was excluded all you would really be doing is shifting the cost of the risk).
Edit -- Now if you really meant to say
"if the other guy is criminally liable or at fault," and not you, the policyholder, then I'll revise my answer.