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Gun Control Reform Activism

guninsuranceblog

(4 posts)

11. Insurance can cover intentional acts

Reply to Robb (Original post)

Thu Apr 11, 2013, 08:36 PM

Apr 2013

The insurance trade groups are being misleading when they say that liability insurers won't cover intentional acts. NRA insurance and current homeowners insurance doesn't (except NRA self defense coverage in certain cases). Many other kinds of insurance do cover intentional acts if the payout isn't to the bad actor. For example, homeowners fire insurance pays off your mortgage while you rot in jail for arson. But, you owe it back to the insurer if you have anything left, they'll sue for sure. Run your car into someone on purpose in Mass and they can collect from your insurance but not in Texas. Etc. It's very important to have gun insurance that is designed to protect victims.

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Gun liability insurance: the work-around [View all] Robb Apr 2013 OP

Sort of like a gun tax that directly funds the costs of victims of gun violence. DanTex Apr 2013 #1

i think that's a good idea samsingh Apr 2013 #2

I like the idea, defacto7 Apr 2013 #3

How about an "excise tax" exacted upon transfer of ownership? nt rdharma Apr 2013 #4

Maybe all men should be required to pay into a pool to provide assistance to rape victims slackmaster Apr 2013 #5

I don't think you'd like that, since we're talking about gun crime specifically. Robb Apr 2013 #6

I thought the topic of the thread was charging gun owners some kind of fee that would not be charged slackmaster Apr 2013 #8

What demographic information about you makes you so unlikely to ever commit a crime with a gun? Robb Apr 2013 #9

Everything about my demographics, with the exception of my gender and marital status slackmaster Apr 2013 #10

Good idea, we will just tack a little extra onto the "gun tax" for that. How's that? Hoyt Apr 2013 #7

Insurance can cover intentional acts guninsuranceblog Apr 2013 #11

Yes, it can cover intentional acts but not unlawful ones. slackmaster Apr 2013 #14

See response 11) which points out that liability for intentional acts aqctually can be insured Progressive dog Apr 2013 #12

"This proof of insurance card is to be carried in the chamber of your firearm at all times"..... lastlib Apr 2013 #13