i thought you're covered no matter what. the insurance is there in case shit like this happens, or not? the premium for an M5 must be something crazy, so i'd be pissed if it wasn't covered.
i don't remember reading in my insurance agreement anything about "this contract is void if you're drunk, high, or blah blah blah" maybe i should read it over...
2011 E92 M3 - IB/Beige/Sycamore Wood/6MT/EDC/ZPP2/Nav/PDC/Heated Seats/iPod-USB/Enh. Audio
2008 E92 335i - Montego Blue/Black/Gray Poplar/6MT/ZPP/ZSP/Nav/PDC/Heated Seats/HDRadio/iPod-USB - Sold
2006 E90 330i - Mystic Blue/Black/Aluminum/6MT/ZPP/iDrive/PDC/Heated Seats/Sat. Prep - Sold
1994 E36 325i - Boston Green/Beige/Automatic/ZPP/Heated Seats/Premium Sound - Sold