A Major Medical policy insured is injured in an auto collision during a police chase. The insured is convicted of reckless driving and manslaughter. If the insured files a claim, the insurance company will MOST likely take which of the following actions?

Paying full benefits would not be appropriate since the insured's actions during the auto collision were illegal and reckless. Insurance policies generally exclude coverage for damages resulting from criminal activities, especially those involving serious offenses like manslaughter.

Partial benefits would also be unlikely in this case, as the conviction for reckless driving indicates a serious violation of law and policy terms. Insurers typically do not pay any benefits when the insured is found to be at fault in such severe circumstances, particularly when criminal charges are involved.

While the claim will indeed be denied, returning the premiums paid is not a common practice in such scenarios. Insurers typically retain premiums as they have provided coverage for the period, and denying a claim does not usually necessitate a refund unless there was a misrepresentation or fraud involved.