[AC2717]

Insurance is for "stupidity" and I AM NOT SAYING SHE WAS STUPID!
In other words her insurance will react no matter what she did, unless the insurance comopany was mis-informed or lied to on the application, but even then that would mean a cancellation of the policy in a certain amount of time, but even if this was the case, which it obviously is not, if the policy was in force at the time, then it would have to pay out. Now they have a rgith to defend you in a lawsuit as you transfer your rights, but this is a criminal case and unless there is some sort of insurance for that, which I am not sure there is? then the insurance will not take care of the case. There is usually a clause in every insurance policy that if there was a criminally negligent act comitted (and found to be committed is included), They have a right to deny a claim that YOU make for PD and liability against your policy, but in most cases, such as this one, they will still pay to third parties in this type of event, but have fun trying to get standard insurance for the rest of your life, you will be stuck in the pool forever paying higher than average prices due to your experience.