If you intentionally shoot someone in the foot, no coverage.

If you shoot a burglar in the foot, he’s convicted of burglary in criminal court, yet files a civil suit against you: damn right that the insurance co should pay for legal costs and damages if he manages to con a jury into awarding him.

Difference between a car and a gun is that a car isn’t intended as a weapon. A gun is, but can be used for good as well as evil.