A liability insurance carrier can disclaim coverage based upon the language of their policy. Insurance does not cover damages expected or intended from the standpoint of the insured - you get covered for an occurrence that is an accident. This exclusionary language is construed strictly against the insurance carrier. Additionally the carrier needs to carry the burden of proving facts that brings the damages within the language of their exclusion. The carrier generally does not disclaim unless they 100% right. There will be no disclaimer here I will guarantee.
so that wouldn’t be part of the boilerplate?
does ins payoff in drunk driving accidents?