[doufus1]

Insurance will pay even if you're driving drunk with two sway bars disconnected and one of the wheels removed.

Yes auto policies are pretty much standard.

What? In Australia you would have no chance of any insurance company covering you if you took a safety device off your car. And if you were drunk or under the affect of drugs you will be charged by the cops. Even manslaughter if you kill someone. Insurance will not even look at you.