Michigan Man Says Insurance Won’t Cover Bullet Damage from Shootout

April 26, 2013

A northern Lower Michigan man is upset insurance doesn’t cover the damage done to his mobile home during a neighbor’s shootout with police.

Lance Reed tells the Traverse City Record-Eagle he’s already spent $1,500 on repairs to five bullet holes at his home in Grawn, and he doesn’t have the money to pay for the necessary fixes.

According to Reed, Auto-Owners Insurance told him bullet damage doesn’t fit into the perils outlined in his policy. They include fire, smoke, flood, windstorm, riot or civil commotion, vandalism or mischief, damage by burglary, aircraft and vehicle damage.

The company says it is handling Reed’s claim and plans to send him a letter explaining its position.

Reed plans to seek assistance from others to help pay for the repairs.

Topics Michigan

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Latest Comments

  • April 29, 2013 at 5:01 pm
    Chris says:
    Here's the definition of civil commotion - ie: Occupy Wallstreet: Civil commotion refers to a public revolt by a large number of people who cause harm to people or property. I... read more
  • April 29, 2013 at 4:13 pm
    Jeff says:
    VMM has to be considered. The shooting was at a person(s). It would be evident to those involved that failure to hit their target would result in damage to property of others,... read more
  • April 29, 2013 at 10:02 am
    Suze says:
    Why wouldn't this be covered under civil commotion?????

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