What are typical "standard exclusions" found in auto insurance policies?

Standard exclusions in auto insurance policies are specific conditions or scenarios that are not covered by the policy. The correct answer focuses on intentional damage or incidents that occur while under the influence of alcohol or drugs, as these are commonly excluded because they involve negligent or reckless behavior. Insurance companies typically do not provide coverage for losses resulting from intentional acts or illegal activities, as they aim to discourage such actions by policyholders.

Including these exclusions helps insurers manage risk, as covering intentional damage or driving under the influence would lead to higher claims and premiums for all policyholders. This kind of exclusion maintains the integrity of the insurance system by ensuring that coverage is available for unforeseen accidents and incidents rather than willful misconduct.