Generally, vehicle insurance providers do not like to upset their customers or have a bad name for avoiding claims. However, this does not mean that they will pay every time. Policy terms and conditions clearly state the circumstances in which they will not make any payment for your losses. These conditions are commonly inserted within most policies sold in the United States of America.
First one is to cause the loss knowingly. Insurance is always for unexpected occurrences coming about out of policyholders’ control. This includes losing control of the vehicle before the crash. However, it does not cover getting a baseball bat and smashing it to your heart’s content, not matter what caused your rage.
On the other hand, you would be paid if a ball hits your car and break the glass where you parked providing you have comprehensive cover. The secret is that one is within your control and you cannot do anything about the other.
Secondly, you will not be paid for the damages you suffer while you were using the car for a criminal activity. It would be ironic to get smashed while you were escaping a bank heist and come back and claim for the damages. Any illegal activity involved with the car can void the policy. This means that in such cases, you will be treated as if you never bought the cover.
Third exclusion is causing an accident when you are drunk. Being drunk is a condition you bring upon yourself. Although it can be treated like an illness, it is not. You will have to pay for all your damages on your own in such cases.
Furthermore, many insurers may cancel the policy from inception as soon as they know you got involved in an accident or received traffic citation for drunk driving. This will make it hard to find agreeable car insurance rates from alternative providers either.
Buying a policy does not take away the usual responsibilities of car owners. They will still have to look after them and make sure that they stay out of harm’s way. Deliberately leaving it under danger will risk the vehicle and the coverage. They can investigate any claim and when they find gross negligence, they will not pay the claim.
There are two key reasons for it. One is the possible frauds and attempts to get paid for a car that is somehow lost its value. The other is; it is against the logic of insurance provision to pay for the losses that the policyholder did not do enough to avoid.