That’s what you’re paying for when you pay your premiums. To take the hit when you’re negligent. Or even stupid. Or dumb.In some ways I think it hurts the offender more if they have to shell out a portion of their earnings rather than having their insurer pay out a lump sum.
That said, while we gladly cover negligence as a result of stupid or dumb, there’s usually an exclusion for a blatantly intentional act. In fact, it’s basic insurance 101 you learn getting licensed. Depending on policy language, it’s unlikely an insurer would pay in this case. IMHO any exposure is all on that crazy dingbat.