Thane wrote:
The guy who shot himself needs to be held legally responsible; his injuries should be paid for out of his own pocket, not insurance or anything else.
I agree with you on this point. But... If acts of stupidity weren't covered by insurance, there wouldn't be much of an insurance industry.
If
you "forget" to set the parking brake on
your vehicle and it rolls downhill and off the road into a ditch, are
you going to whip out
your wallet and pay to fix it, or call
your insurance agent? After all, it was
your mistake that caused the damage.
Let's say it's a $50k car and there's a $35k lien on it and it's totalled.
Something to think about...