Biasalah insurance. Biggest scam industry

That's the point if insurance. If they crash means it's an accident. You think the fella want to crash the car on purpose? Then that is the insurance burden to prove it. Else it will open flood gate for other insurance to simply say you purposely crash without evidence.

There's why some people who keep claim will have no ncb and even higher premium. That's the purpose of insurance to insure.