so that wouldn’t be part of the boilerplate?
does ins payoff in drunk driving accidents?
Yes, it certainly part of the boilerplate. For example, you will not get coverage for statutory liability, such as where a consumer protection statute creates liability for treble damages an attorney’s fees - carrier may pay only the portion of the judgment that is based on non-statutory liability (negligence, etc.) And not the multiplied amount. As far as drunk driving, liability insurance pays damages caused by drunk drivers already found guilty all the time.