I used to live in an apartment complex where someone got wasted, took the main road corner too fast, plowed down 3 10ft tall pines, plowed over the complex signage, and into the living room of one of the apartments. The brick facade was coming down in chunks all along the building.

My family was on chit-chat-about-your-life terms with the property manager, and apparently their insurance company was refusing to do anything because, you guessed it.... "preventable"

Now, how could this have been prevented you ask? Well I'll let you know when they find out because replanting thicker trees, and putting a guard rail didn't help since literally a month later someone was street racing and spun out on the same corner. Didn't hit the apartments, but took out the semi-reconstructed sign and the cars in front of the apartment.

If I had to guess, I'd say the car insurances refused to pay also. Idk, didn't know the families that lived across the road.