If you set your home ablaze, it’s clear you’re intentionally committing a crime. But, DUI is a gray area. While it is reckless and against New York State law to drive under the influence, you may not expect to get into an accident. Thanks to the drugs or alcohol, you have every confidence you’ll “be fine.” This defense may not hold up in court, but it does come into play when filing a claim with your auto insurer– unless your provider has a specific clause denying coverage for DUI, rather than “intentional conduct.”