No, however in certain circumstances, the at fault driver’s insurance company may take a position that the dangerous operation of a motor vehicle accident would amount to a “speed or race test” which is technically a breach of policy condition, thus reducing liability coverage to $200,000. This is not always the case in a very rare form of defence argument. However, in situations like this, you would be entitled to pursue excess damages from your own insurance company, up to your third-party liability limits. For example, if you carry limits of $1 million, then you would be entitled to file suit for $800,000, being the amount of third-party limits after the reduction in reduce coverage of $200,000. This is not always the case and if you have lost a loved one due to a motorist speeding or stunt driving, you should definitely talk to a wrongful death lawyer