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In reply to the discussion: Orlando gay nightclub shooting: 50 killed, suspect is Omar Mateen [View all]NickB79
(19,224 posts)125. Liability insurance isn't applicable in a crime, though
https://en.wikipedia.org/wiki/Liability_insurance#Insurable_risks
If I intentionally drove my car through a group of people and killed them, my automobile insurance would refuse to pay any claims, as they should. So why do you think that a gun insurance policy would act differently?
The only reason to propose insurance on gun ownership is to make it expensive for poor people to own firearms, leaving gun ownership solely to the rich. Not a very progressive stance, I might add.
Generally, liability insurance covers only the risk of being sued for negligence or strict liability torts, but not any tort or crime with a higher level of mens rea. This is usually mandated by the policy language itself or case law or statutes in the jurisdiction where the insured resides or does business.
In other words, liability insurance does not protect against liability resulting from crimes or intentional torts committed by the insured. This is intended to prevent criminals, particularly organised crime, from obtaining liability insurance to cover the costs of defending themselves in criminal actions brought by the state or civil actions brought by their victims. A contrary rule would encourage the commission of crime, and allow insurance companies to indirectly profit from it, by allowing criminals to insure themselves from adverse consequences of their own actions.
It should be noted that crime is not uninsurable per se. In contrast to liability insurance, it is possible to obtain loss insurance to compensate one's losses as the victim of a crime.
In other words, liability insurance does not protect against liability resulting from crimes or intentional torts committed by the insured. This is intended to prevent criminals, particularly organised crime, from obtaining liability insurance to cover the costs of defending themselves in criminal actions brought by the state or civil actions brought by their victims. A contrary rule would encourage the commission of crime, and allow insurance companies to indirectly profit from it, by allowing criminals to insure themselves from adverse consequences of their own actions.
It should be noted that crime is not uninsurable per se. In contrast to liability insurance, it is possible to obtain loss insurance to compensate one's losses as the victim of a crime.
If I intentionally drove my car through a group of people and killed them, my automobile insurance would refuse to pay any claims, as they should. So why do you think that a gun insurance policy would act differently?
The only reason to propose insurance on gun ownership is to make it expensive for poor people to own firearms, leaving gun ownership solely to the rich. Not a very progressive stance, I might add.
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Orlando gay nightclub shooting: 50 killed, suspect is Omar Mateen [View all]
MowCowWhoHow III
Jun 2016
OP
Young lady singer, Christina Grimmie, killed during concert Friday night in Orlando.
Manifestor_of_Light
Jun 2016
#205
24/7 live from the networks Moscow offices. fox needs more '24/7 free TV' in America
Sunlei
Jun 2016
#10
sucks that the only 'free' 24/7 live news for Americans is putins Russia(in english) TV.
Sunlei
Jun 2016
#131
Fuck RT....coverage from country that is currently outlawing being gay and persecuting gays? nt
msanthrope
Jun 2016
#82
Apparently the police on scanner are asking for an Arabic translator.
Station to Station
Jun 2016
#7
It's not out of the question and the FBI seem to think it's possible
Station to Station
Jun 2016
#95
name reported as, Omar Mateen an American. His father stated on news he was anti-gay.
Sunlei
Jun 2016
#134
shit! I really hope the shooter does not turn out to be an Islamic terrorist. I realize
ellenrr
Jun 2016
#47
I'm not sure if it's a coincidence that Christina Grimmie was assassinated just two days earlier
ck4829
Jun 2016
#58
Your link does not state that. No mention of a suspect's name . . nt
Bernardo de La Paz
Jun 2016
#84
No. And Americans need to grow a spine like the French they despise. Je Suis Charlie. . nt
Bernardo de La Paz
Jun 2016
#86
No, nothing meaningful was done when 20 1st graders where shot to death in school.
Cobalt Violet
Jun 2016
#81
it is shamefull how quickly that horrific massacre was forgotten by Idiot America.
TimeToEvolve
Jun 2016
#114
the point is that an unemployed, socially isolated, chronically depressed,
Angel Martin
Jun 2016
#216
On a day when we're mourning the death of Jo Cox you decide to make political capital. Shame on you
Bad Dog
Jun 2016
#217
Time to crack down on guns. Register all guns and guns owners. Require automobile level insurance.
onehandle
Jun 2016
#83
Yes, there are countless examples of women shooting up nightclubs with abortions
Orrex
Jun 2016
#156
I have a Pulse. Je suis Charlie. Boston Strong. Remain Calm and Carry On. . . nt
Bernardo de La Paz
Jun 2016
#91
NBC: Shooter's father: "he got angry last week when he saw two men kissing"
brooklynite
Jun 2016
#112
Omar Mateen legally purchased a handgun and a long gun within the last few days
RogerM
Jun 2016
#193