Insurance is a contract.
Injustice would be making the insurer pay for something that wasn't in the contract.
You're one of those people who believe in injustice for the deepest pockets, aren't you?
Yes, but the law requires everyone to be insured in order to protect the guys you might run into. Shouldn't the law require them to protect those people whether it was an accident, or intentional? It's not purely a contractual thing. The guy he ran into did not agree to it.
Of course, if that's the law, then that's the law. But I'm not sure it really is the law. The suicide clause was obviously intended to prevent the survivors of someone who commits suicide from collecting. But was it intented to prevent someone who was injured as an innocent bystander to the suicide? I question that.