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Old 11-27-2023, 03:16 PM   #41
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You add umbrella coverage & use your insurance company's lawyers.
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Old 11-28-2023, 07:15 PM   #42
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Several years ago I attended a presentation by a retired judge in Michigan that was given during a course for a concealed carry license. He explained that if you shot someone in your home, you may be clear of criminal charges, but NOT civil charges. And if you have an umbrella insurance policy, you're a lawyer's dream.
I'm not advocating against those policies, it was just a surprise how the retired judge viewed them.
Our State Farm homeowners and umbrella policies specifically exclude any intentionally caused damages, that seems common in many/most states.
So if you accidentally shoot someone in your house, that's covered. But if you intentionally shoot someone in the house who is trying to murder your wife, you pay the bill.
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Old 11-29-2023, 05:51 AM   #43
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OP, please let us know the outcome.
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Old 11-29-2023, 02:35 PM   #44
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Originally Posted by Gearhead Jim View Post
Our State Farm homeowners and umbrella policies specifically exclude any intentionally caused damages, that seems common in many/most states.
So if you accidentally shoot someone in your house, that's covered. But if you intentionally shoot someone in the house who is trying to murder your wife, you pay the bill.
I'm skeptical since my umbrella insurance has the (paraphrasing) "except in defense of yourself or others" language concerning the willful use of a firearm.
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Old 11-29-2023, 04:44 PM   #45
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Quote:
Originally Posted by Gearhead Jim View Post
Our State Farm homeowners and umbrella policies specifically exclude any intentionally caused damages, that seems common in many/most states.
So if you accidentally shoot someone in your house, that's covered. But if you intentionally shoot someone in the house who is trying to murder your wife, you pay the bill.
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Originally Posted by ncbill View Post
I'm skeptical since my umbrella insurance has the (paraphrasing) "except in defense of yourself or others" language concerning the willful use of a firearm.

All seems a bit strange, though I would think it would be decided AFTER adjudication. IOW were you "justified." Apparently, that's not a consideration. Again. Strange. But YMMV.
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Old 11-29-2023, 05:18 PM   #46
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Originally Posted by Gearhead Jim View Post
Our State Farm homeowners and umbrella policies specifically exclude any intentionally caused damages, that seems common in many/most states.
So if you accidentally shoot someone in your house, that's covered. But if you intentionally shoot someone in the house who is trying to murder your wife, you pay the bill.
I'd just say I was aiming for my DW, and accidentally hit the criminal
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Old 11-30-2023, 07:01 AM   #47
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All seems a bit strange, though I would think it would be decided AFTER adjudication. IOW were you "justified." Apparently, that's not a consideration. Again. Strange. But YMMV.
no, it means they have to represent you if you're making that claim.

remember you have insurance to cover civil liability, not criminal.
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Old 11-30-2023, 07:30 AM   #48
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Reading all these stories is freaking me out... and really making me miss the years I lived in Hong Kong car-free...
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