When does the vehicle liability insurance not protect the driver from material liability for causing traffic damage!?

The insurance company has the right to claim compensation from the driver of the motor vehicle for the compensation paid under the TPL insurance of motor vehicle owners, if the driver:

???? caused damage intentionally (in simple terms, the driver wants to cause damage);

???? after using alcohol or in a state of intoxication or after using narcotic drugs, psychotropic substances or substitutes within the meaning of the provisions on counteracting drug addiction;

???? came into possession of the vehicle as a result of committing a crime;

???? did not have the required license to drive a motor vehicle, except for cases where it was about saving human life or property or about chasing a person immediately after committing a crime;

???? fled the scene.

For the above reasons, as of today, vehicle drivers have to give to insurance companies:

????combining PLN 224 million of claims,

????14 thousand PLN – average recourse to the driver,

????400 drivers have 200,000 each to give away. zloty,

????8 drivers have PLN 1,500,000 to give away,

???? recourses to drunk drivers (under the influence of drugs or other intoxicating substances) - a total of PLN 45-50 million.