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To: libstripper; tsomer; Yehuda
As we earlier discussed on this thread, I've checked my current USAA homeowners insurance policy for its provisions regarding liability coverage for acts of self defense and similar matters. This opinion is based on the revised personal injury endorsement listed as, "HO-82TN (7-08) PERSONAL INJURY LIABILITY," which appears as pages 5 and 6 of my "HOMEWONERS POLICY PACKET" dated May 26, 2011.

Coverage E defines covered "Personal Injury" to include:

h. Assault and battery if committed by any insured or at his direction to protect persons or property. This applies only when the conduct is not criminal.

'Personal injury' only applies when the conduct is not malicious or criminal in nature.

This means any of us with this coverage is likely to be covered if he uses lethal, or other, force in a legal act of self defense on or off his property, since I have seen no limitation of coverage to only on-premises use of force. However, if one of us has the great misfortune to be the shooter in a Trayvon Martin situation, coverage will most likely depend on being exonerated in any resulting criminal proceeding. Hence, those of us who pack heat legally, including yours truly, MUST always realize that the weapon is there to deal with fate if (God forbid) it comes to us, not to enable us to go out and challenge fate.

10 posted on 05/03/2012 7:32:23 AM PDT by libstripper
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To: libstripper

Many thanks for that , libstripper

Of course, if half a dozen thugs jump you, and there are no other witnesses to contradict their claims, it might end up including assault charges. My imaginary insurance policy would not cover criminal acts either.

I was thinking about Zimmerman’s situation. I wrote tongue in cheek, but now my tongue is in my throat.


11 posted on 05/04/2012 10:03:43 AM PDT by tsomer
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