hey, I live there!

OMG! Me, too!!

how do you explain this to your insurance company?

Doh!

Bake 'em away, toys!

You don't. Most insurance is void if damage occurred during criminal activity.

so if a drunk driver plows into a crowd they don't have coverage?

I’m actually not sure. I was thinking more about it from the perspective of causing damage in the process of intentionally committing a crime, like robbery

Reckless driving should be tacked on to the charges.

Generally third party is still covered but damages to the insured themselves are not.

Usual disclaimer that this depends on where you live and where the damage happens.

Same!