steveh_131
Grandmaster
Yes, because that's what insurance is for. Covering accidents that occur under normal driving conditions. But it seems like if someone is truly willing to take responsibility for driving when it has been forbidden due to unsafe conditions, then they should also be willing to foot the bill and not pass it off to the insurance company, ultimately raising my premiums.
If I drive irresponsibly, the premium for my insurance will reflect that. A contract is a contract. I pay for their service and I will hold them to it.