[delfinom]

Insurance doesn't mean you are not responsible my dude, way to completely misunderstand insurance.

Insurance just covers financial damage, and it's the insurer making a bet with you that they will profit off the premiums they calculated for your particular coverage instead of you causing an insurance payout that would be in the red for them.

And if you intentionally committed an act that would cause a payout, the insurance would almost certainly void your coverage and claim.