02-27-2011, 02:12 PM
Insurance policies can be written to exclude negligence, recklessness, breach of contract, and some are. For example, credit card coverage of rental cars is voided if the driver violates the rental contract. It's not a black and white answer. It depends on the policy (the fine print).
"Sometimes it's not enough to know what things mean, sometimes you have to know what things don't mean." — Bob Dylan
"Sometimes it's not enough to know what things mean, sometimes you have to know what things don't mean." — Bob Dylan