If a vehicle is used in a criminal act, how is the insurance policy affected?

When a vehicle is used in a criminal act, the insurance policy is generally considered void. This is because most insurance contracts contain clauses that exclude coverage for vehicles involved in illegal activities. When a policy is voided, the insurer is relieved of any obligation to pay claims related to incidents arising from the criminal use of the vehicle. The rationale behind this is that insurance is meant to protect against unforeseen and accidental events, not intentional wrongdoing or criminal behavior.

In this context, modifying the policy or allowing claims to be made would not typically apply, since the act of using the vehicle for criminal purposes fundamentally breaches the terms of the insurance contract. Therefore, the insurance company has the right to nullify the coverage, making the policy invalid in such circumstances.