What are the situations where vehicle damage insurance does not pay?

[MacCameron]

Vehicle damage insurance does not cover the following situations: 1. Drunk driving: Driving under the influence is a serious violation of the 'Road Traffic Management Regulations' and is one of the major causes of traffic accidents. Insurance companies will not compensate for vehicle damage caused by drunk driving. 2. Engine damage due to restarting after water ingress: Insurance companies consider that if a vehicle is driven into deep water, the engine stalls, and the driver forcibly restarts it, causing damage, this is due to improper operation and is not covered by the insurance. 3. Intentional acts: This refers to deliberate damage to the insured vehicle by the policyholder or the driver, or instructing others to damage the vehicle (such as intentional arson or pushing the vehicle off a cliff). Any damage to the insured vehicle caused by intentional acts will not be compensated by the insurance company. 4. Illegal activities: This refers to using the insured vehicle as a tool for criminal activities, such as smuggling, drug trafficking, or other illegal acts. Any damage to the insured vehicle resulting from illegal activities will not be covered by the insurance company.