Having spent 8 years in a previous life in the black hole of insurance claims, one of, if not the most used quotes in the insurance industry is "We insure stupidity". If he has health insurance, his claim will be paid. No questions. He paid for that coverage.HighVelocity wrote: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.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.
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...
If insurance companies could pick and choose what claims to pay and what claims to deny based on the level of stupidity of the cause of the accident...I shudder to think.