Reply to Mandatory insurance for gun owners

Forum Index » Political Discussion

Reply to "Mandatory insurance for gun owners"

Subject:

Emoticons





More smilies

Text Color: Font: Close Marks

[quote=Anonymous][quote=Anonymous][quote=Anonymous]Guns are covered my home owners and/or renters insurance.  Just like you kids bike is, or your baseball is, or your kitchen knife is, or your golf clubs, or ..... and your home owners/renters insurance also covers accidental injuries.  You know, like if you tossed a baseball to your neighbor kid and accidentally bonked them in the eye.  Same thing with an accidental gun discharge, that's covered too.  Non accidental injuries are not covered, no matter if it's a bat, knife, gun or baseball.[/quote]

Two problems:

One, a homeowner's policy has pretty low liability limits.  $100K is not a lot for a dead child.

Two, it does not cover criminal acts.  So if someone gets drunk or angry and shoots at someone, they can go to jail.  But they are not covered for this act, so the victim will sue someone who probably has no assets to claim.[/quote]

I concur homeowner's policies typically have low liability limits.  Is any dollar value sufficient for a dead child?  It's also important to note that most Auto insurances don't automatically come with death benefits.  Some however will have optional premiums to cover specific individuals.  Which isn't much different than actual life insurance.

Most insurances will not cover intentional acts.  Like if you intentionally set your car on fire your auto insurance would not cover that.  Criminal acts aren't as clear cut, some will be covered and some not.  Of course things like stolen items and damage from vandalism are covered by your homeowners policy.  But a criminal's homeowners policy would not cover them for intentionally breaking something in your home or injuring you.[/quote]

Options

	Disable HTML in this message
	Disable BB Code in this message
	Disable smilies in this message

Review message

Search Recent Topics Hottest Topics