Posted On: May 12, 2008, 3:44 pm CDT

Posted By: lastbat

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.