One wouldn’t think you’d have to put an exclusion in the policy for firearms into an auto policy. Methinks something along the lines of “discharge of a firearm, other than the intentional discharge of a licensed firearm operated under the auspices of a valid concealed-weapons permit for the sole and express purpose of defense of life, shall not be covered”. Obviously I don’t write policies, but you get the drift. Unless you’re licensed to carry and defending yourself you shouldn’t be covered if your own gun shoots you. I do think we should allow coverege for being shot in the process of a car-jacking, driveby, or other vehicle-related shooting.
Boy I’m glad I’m not an underwriter. I’d hate to have to figure this stuff out.
Not sure if you are being serious or sarcastic Mike but I would say molestation is considered an intentional act and there wold be no coverage under an auto, HO or GL policy.
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One wouldn’t think you’d have to put an exclusion in the policy for firearms into an auto policy. Methinks something along the lines of “discharge of a firearm, other than the intentional discharge of a licensed firearm operated under the auspices of a valid concealed-weapons permit for the sole and express purpose of defense of life, shall not be covered”. Obviously I don’t write policies, but you get the drift. Unless you’re licensed to carry and defending yourself you shouldn’t be covered if your own gun shoots you. I do think we should allow coverege for being shot in the process of a car-jacking, driveby, or other vehicle-related shooting.
Boy I’m glad I’m not an underwriter. I’d hate to have to figure this stuff out.
What if a kid gets molested by someone in the back seat of a car – Is that covered?
Not sure if you are being serious or sarcastic Mike but I would say molestation is considered an intentional act and there wold be no coverage under an auto, HO or GL policy.