Isn't that why it is called ACCIDENT insurance???? Your personal profile, you know all those invasive questions they ask about smoking and drinking and the checks of your driving record and your credit report all play a part in profiling you and your degree of risk.
They don't just insure the vehicle, they insure you. Regardless of what this guy did, unless he put rocks in his turbo to blow it up on purpose, it is an accident, and should be insured. (The insurance investigator may determine culpability, ie, 100% covered 50/50 or stupid move, forget it, the box said don't do X or it will blow up)
However, If they pay the loss, he is now a higher risk, he may be dropped, and the claim is part of his history, he has been further profiled.
Now, as for intentionally crossing wires, people do, its called FRAUD, and insurance investigators have the job of determining wether it was intentional or accidental.
AND, if sick-point-0's become a fire hazard, you bet the insurance for THAT model will be going up.
(Just call you friendly neighborhood agent and ASK if hail damage is covered, you will get a black mark, for ASKING, read your policy, don't ask or trust an agent)
Comprehensive physical damage coverage pays for losses resulting from incidents other than collision. For example, comprehensive insurance covers damage to your car if it is stolen; or damaged by flood, fire or animals. To keep your premiums low, select as high a deductible as you feel comfortable paying out of pocket.
After such a claim it is the insurers right to chase after Ford or the 'X' Box manufacturer for causing this, but as long as you did not intentionally, willfuly or knowingly cause the damage, it should be covered. The courts uphold this.
BUT, if there is a fire, and YOU have a fire extinguisher in your truck, they may say YOU LET IT BURN, heres a new turbo, but the truck is your responsibility!
Like a Good Neighbor.....