I do not have a dog in this fight, I hate them both equally. All legal battles and all insurance policies (same thing) have terms. Terms are restrictive. Example: My auto policy does not cover off-road and/or racing settings. If I take my car to a perfectly legal drag strip and (anyone) wrecks it, I am on my own. I have never seen a policy that indemnifies losses incurred while committing a crime. Better/more applicable example: If you are a fleeing felon, wreck your car and are injured, you are on your own; no Auto, no medical, no life, no disability, etc. I am not judging the case on its merits; but if Cox incurred a loss while in violation if the law, they are - defacto - uninsured.