# Will their insurance pay? **URL:** \ **Category:** General Discussion\ **Created:** [October 11, 2022, 10:46pm UTC](https://community.cartalk.com/t/will-their-insurance-pay/186839 "2022-10-11T22:46:45Z")\ **Posts on this page:** 20\ **Page:** 1
**Author:** ![Robert-Gift](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/robert-gift/32/356_2.png) [@Robert-Gift](https://community.cartalk.com/u/Robert-Gift)\ **Post date:** [October 11, 2022, 10:46pm UTC](https://community.cartalk.com/t/will-their-insurance-pay/186839/1 "2022-10-11T22:46:45Z")
> **[Drivers of Lamborghinis crash in Denver, both face DUI charge](https://www.denver7.com/news/local-news/drivers-of-lamborghinis-crash-in-denver-both-face-dui-charge?dicbo=v2-90e208bd6ed9cee6fb62210491c11994)** > > The drivers of two Lamborghinis crashed in Denver on Thursday evening and both were arrested on DUI charges. ---
**Author:** ![PvtPublic](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/pvtpublic/32/13089_2.png) [@PvtPublic](https://community.cartalk.com/u/PvtPublic)\ **Post date:** [October 12, 2022, 12:03am UTC](https://community.cartalk.com/t/will-their-insurance-pay/186839/2 "2022-10-12T00:03:08Z")
2 absolute idiots, I hope insurance pays nothing. And their future insurance rates are enormous. ---
**Author:** ![Mustangman](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/mustangman/32/44130_2.png) [@Mustangman](https://community.cartalk.com/u/Mustangman)\ **Post date:** [October 12, 2022, 1:00am UTC](https://community.cartalk.com/t/will-their-insurance-pay/186839/3 "2022-10-12T01:00:34Z")
I do not have their policies in front of me so, who knows? And further, who cares? Agree with @PvtPublic, I hope they pay nothing! ---
**Author:** ![Robert-Gift](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/robert-gift/32/356_2.png) [@Robert-Gift](https://community.cartalk.com/u/Robert-Gift)\ **Post date:** [October 12, 2022, 1:29am UTC](https://community.cartalk.com/t/will-their-insurance-pay/186839/4 "2022-10-12T01:29:33Z")
Wondering if policies typically do not pay if convicted of DUI or found to be street racing, etc. Any idea whathese car$ were worth before being turned into road kill? Thank you. ---
**Author:** ![Mustangman](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/mustangman/32/44130_2.png) [@Mustangman](https://community.cartalk.com/u/Mustangman)\ **Post date:** [October 12, 2022, 1:33am UTC](https://community.cartalk.com/t/will-their-insurance-pay/186839/5 "2022-10-12T01:33:31Z")
$250 to 350K I’d guess. Again, I don’t have their policies in front of me. What does yours cover?.. you live in CO. Coverage is different in different states. And laws vary. ---
**Author:** ![Robert-Gift](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/robert-gift/32/356_2.png) [@Robert-Gift](https://community.cartalk.com/u/Robert-Gift)\ **Post date:** [October 12, 2022, 1:46am UTC](https://community.cartalk.com/t/will-their-insurance-pay/186839/6 "2022-10-12T01:46:10Z")
Since I do not drink or drug, I never inquired about a DWAI/DUI. Legal speeding only when emergent medical transports. Toll companyvoman said there must have been a mistake when she read 130 mph at one of their toll detectors. (I did not know that tol **lane** quipment also documented speed.) ---
**Author:** ![It\_s-Me](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/it_s-me/32/12660_2.png) [@It\_s-Me](https://community.cartalk.com/u/It_s-Me)\ **Post date:** [October 12, 2022, 1:47am UTC](https://community.cartalk.com/t/will-their-insurance-pay/186839/7 "2022-10-12T01:47:55Z")
Guys that can afford cars like that probably don’t have insurance. They probably have done all the stuff to prove financial responsibility ---
**Author:** ![VOLVO-V70](https://avatars.discourse-cdn.com/v4/letter/v/8e8cbc/32.png) [@VOLVO-V70](https://community.cartalk.com/u/VOLVO-V70)\ **Post date:** [October 12, 2022, 1:49am UTC](https://community.cartalk.com/t/will-their-insurance-pay/186839/8 "2022-10-12T01:49:02Z")
> [@Robert-Gift](#): > > Wondering if policies typically do not pay if convicted of DUI or found to be street racing, etc. Why don’t you ask your insurance agent or does that make too much sense ? ---
**Author:** ![Robert-Gift](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/robert-gift/32/356_2.png) [@Robert-Gift](https://community.cartalk.com/u/Robert-Gift)\ **Post date:** [October 12, 2022, 1:51am UTC](https://community.cartalk.com/t/will-their-insurance-pay/186839/9 "2022-10-12T01:51:54Z")
> [@VOLVO-V70](#): > > > [@Robert-Gift](#): > > > > _Wondering if policies typically do not pay if convicted of DUI or found to be street racing, etc._ > > _Why don’t you ask your insurance agent or does that make too much sense ?_ Closed… ---
**Author:** ![wolyrobb](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/wolyrobb/32/45497_2.png) [@wolyrobb](https://community.cartalk.com/u/wolyrobb)\ **Post date:** [October 12, 2022, 2:16am UTC](https://community.cartalk.com/t/will-their-insurance-pay/186839/10 "2022-10-12T02:16:03Z")
One article says they were both Huracan’s which would have been worth $500K combined at least, based on asking prices. ---
**Author:** ![jtsanders](https://avatars.discourse-cdn.com/v4/letter/j/c2a13f/32.png) [@jtsanders](https://community.cartalk.com/u/jtsanders)\ **Post date:** [October 12, 2022, 12:11pm UTC](https://community.cartalk.com/t/will-their-insurance-pay/186839/11 "2022-10-12T12:11:21Z")
Why don’t these idiots find a nice track to get their Ya-Yas out? ---
**Author:** ![MikeInNH](https://avatars.discourse-cdn.com/v4/letter/m/a587f6/32.png) [@MikeInNH](https://community.cartalk.com/u/MikeInNH)\ **Post date:** [October 12, 2022, 12:54pm UTC](https://community.cartalk.com/t/will-their-insurance-pay/186839/12 "2022-10-12T12:54:54Z")
If you’re rich enough to own a Lambo, then you probably don’t have insurance. Most people with that kind of money have zero insurance of any kind. They self insure. ---
**Author:** ![PvtPublic](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/pvtpublic/32/13089_2.png) [@PvtPublic](https://community.cartalk.com/u/PvtPublic)\ **Post date:** [October 12, 2022, 3:34pm UTC](https://community.cartalk.com/t/will-their-insurance-pay/186839/13 "2022-10-12T15:34:20Z")
> [@MikeInNH](#): > > If you’re rich enough to own a Lambo, then you probably don’t have insurance. Most people with that kind of money have zero insurance of any kind. They self insure. Doesn’t that mean they each are “out of pocket” ❓ If so, even better, I also hope they get jail time and fined out the A$$ ! ---
**Author:** ![Robert-Gift](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/robert-gift/32/356_2.png) [@Robert-Gift](https://community.cartalk.com/u/Robert-Gift)\ **Post date:** [October 12, 2022, 4:03pm UTC](https://community.cartalk.com/t/will-their-insurance-pay/186839/14 "2022-10-12T16:03:47Z")
> [@PvtPublic](#): > > > [@MikeInNH](#): > > > > If you’re rich enough to own a Lambo, then you probably don’t have insurance. Most people with that kind of money have zero insurance of any kind. They self insure. > > _Doesn’t that mean they each are “out of pocket”_ > _If so, even better, I also hope they get jail time and fined out the A$$ !_ Theyvilhave high-priced attorneys to gethem off. ---
**Author:** ![bing](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/bing/32/4619_2.png) [@bing](https://community.cartalk.com/u/bing)\ **Post date:** [October 12, 2022, 6:51pm UTC](https://community.cartalk.com/t/will-their-insurance-pay/186839/15 "2022-10-12T18:51:12Z")
Attorneys are well paid but under paid jurors make the decisions. Of course jurors are not always correct or far but I think in this case would side with the general population. A few years ago about a dozen of similar cars raced on through the Minneapolis suburbs in excess of 120 mph. I don’t remember the results. They caught some and seemed like just highly paid folks looking for some fun. I would guess brokers etc. or trust babies. ---
**Author:** ![Nevada\_545](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/nevada_545/32/41232_2.png) [@Nevada\_545](https://community.cartalk.com/u/Nevada_545)\ **Post date:** [October 12, 2022, 7:11pm UTC](https://community.cartalk.com/t/will-their-insurance-pay/186839/16 "2022-10-12T19:11:17Z")
There have been several high speed crashes in my area, usually involves rental cars. You don’t have to be wealthy to crash an exotic car. ![image](https://global.discourse-cdn.com/cartalk/original/3X/a/7/a71122595e253a7290144ae01e1b0b22404d3a77.png) ---
**Author:** ![Robert-Gift](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/robert-gift/32/356_2.png) [@Robert-Gift](https://community.cartalk.com/u/Robert-Gift)\ **Post date:** [October 12, 2022, 7:29pm UTC](https://community.cartalk.com/t/will-their-insurance-pay/186839/17 "2022-10-12T19:29:05Z")
Wow. Never knew that was a possibility. My insurance agent just said they deny any claims if DUI **or** acing. ---
**Author:** ![weekend-warrior](https://sea1.discourse-cdn.com/cartalk/user_avatar/community.cartalk.com/weekend-warrior/32/26122_2.png) [@weekend-warrior](https://community.cartalk.com/u/weekend-warrior)\ **Post date:** [October 12, 2022, 8:52pm UTC](https://community.cartalk.com/t/will-their-insurance-pay/186839/18 "2022-10-12T20:52:58Z")
I guess drug dealing pays well. I don’t know any 28-or 32-year old’s that can afford one, and to not have insurance on them. not sure about every state, but in most you need insurance to register a vehicle. but I guess they could be rentals, but you would think they would mention that in the article. ---
**Author:** ![jtsanders](https://avatars.discourse-cdn.com/v4/letter/j/c2a13f/32.png) [@jtsanders](https://community.cartalk.com/u/jtsanders)\ **Post date:** [October 12, 2022, 9:11pm UTC](https://community.cartalk.com/t/will-their-insurance-pay/186839/19 "2022-10-12T21:11:03Z")
> [@weekend-warrior](#): > > I don’t know any 28-or 32-year old’s that can afford one, and to not have insurance on them. You don’t know Joe Walsh? His Maserati went 185, he lost his license and he couldn’t drive. Paraphrasing _Life’s Been Good to Me So Far._ ---
**Author:** ![Beancounter](https://avatars.discourse-cdn.com/v4/letter/b/59ef9b/32.png) [@Beancounter](https://community.cartalk.com/u/Beancounter)\ **Post date:** [October 12, 2022, 9:25pm UTC](https://community.cartalk.com/t/will-their-insurance-pay/186839/20 "2022-10-12T21:25:12Z")
Court decisions on the insurance company’s liability to pay vary widely and are literally all over the map and just generally focus on “intent”. i.e. Your car catches fire at a gas station because the guy next to you is smoking, they’ll pay. Your car catches fire because you doused it with gas, no way. However more important is what your specific policy (contract) says. Maybe you didn’t “intend” to total your Lambo while drinking and racing but if your policy has an exclusion for that, good luck collecting. . . [Next page](https://community.cartalk.com/t/will-their-insurance-pay/186839.md?page=2)