Covered or not Covered

Two guys racing their cars down what appears to be an empty street in Salem Oregon…Crazy, right? After a five second joy ride both vehicles motors seize up due to a lack of oil and the cars come to a rest at the side of the road. Car #1 catches fire in the engine compartment with $2,000 while car #2 the engine seizes but no sign of fire. Would either of these “gentlemen” be covered for the damage to the motor in their car?