Insurance/Risk & Economic Benefit of Guns Campus

[RPB]

YMCA Thread of 30.06 signs or No Public Restroom signs "for Insurance purposes/reasons" made me think

Article Insurance, Risk, & Economic Benefit of Guns/Armed Populations


Interesting collection
http://davekopel.org/2a/LawRev/LawyersGunsBurglars.htm" onclick="window.open(this.href);return false;

A. Risks to Burglars from Victims

You know we;'ll need a counter to the argument which will again arise
"Texas Tribune: Guns on campus could drive up insurance premiums for Texas colleges"

Are they being charged premiums now for potential settlements (and fines) like Virginia Tech had to pay along with defending the 2 suits which are still ongoing because of the wrongful disarmament and failing to protect?
If so, then Campus Carry should lower premiums.
If not, then apparently Insurance Carriers in Texas Premiums are not concerned about whether there is campus carry or not

If Insurance Carriers in Texas Premiums are not based upon whether there is campus carry or not .... ever think it might be because of Sovereign Immunity?

Tech Law Review article
http://heinonline.org/HOL/LandingPage?c ... &id=&page=" onclick="window.open(this.href);return false;

Really, just simplify the argument and see:

Campus Carry and Insurance Premiums and Texas Tort Claims Act
http://www.statutes.legis.state.tx.us/D ... CP.101.htm" onclick="window.open(this.href);return false;

CIVIL PRACTICE AND REMEDIES CODE
TITLE 5. GOVERNMENTAL LIABILITY
CHAPTER 101. TORT CLAIMS
Sec. 101.002. SHORT TITLE. This chapter may be cited as the Texas Tort Claims Act.

SUBCHAPTER B. TORT LIABILITY OF GOVERNMENTAL UNITS

Sec. 101.021. GOVERNMENTAL LIABILITY. A governmental unit in the state is liable for:

(1) property damage, personal injury, and death proximately caused by the wrongful act or omission or the negligence of an employee acting within his scope of employment if:

(A) the property damage, personal injury, or death arises from the operation or use of a motor-driven vehicle or motor-driven equipment; and

(B) the employee would be personally liable to the claimant according to Texas law; and

(2) personal injury and death so caused by a condition or use of tangible personal or real property if the governmental unit would, were it a private person, be liable to the claimant according to Texas law.

So, for a School/Insurer policy premium ...The ADDITIONAL risk if Campus Carry passes... is that if a School Employee with a CHL, while operating a motor vehicle, uses his/her firearm and injures a Student, the insurer might have to pay?
SERIOUSLY?
How much could that raise a premium?


While the risk of Virginia Tech type fines/suits/settlements which VT had to pay multi-millions, and is still paying due to their failure to warn of a lack of adequate protection, and failure to allow self preservation etc ... should become lower


Sec. 101.022. DUTY OWED: PREMISE AND SPECIAL DEFECTS.
Ok, for you law guys .... I researched years ago, and assisted on a case concerning premise/special defects
I wonder if a policy/governmental prohibition against self protection on a property (such as/similar to a 30.06 sign) and failure to warn of a lack of protection on the property could be a PREMISE /SPECIAL DEFECT

unless the claimant pays for the use of the premises.

Not many get "free college"

I just now thought of it, haven't looked into it .... All I recall is about a ditch/excavation a car was driven into at Addicks dam years ago/no blockade/sign/warning... and haven't had coffee yet


Sec. 101.027. LIABILITY INSURANCE. (a) Each governmental unit other than a unit of state government may purchase insurance policies protecting the unit and the unit's employees against claims under this chapter. A unit of state government may purchase such a policy only to the extent that the unit is authorized or required to do so under other law.

(b) The policies may relinquish to the insurer the right to investigate, defend, compromise, and settle any claim under this chapter to which the insurance coverage extends.

(c) This state or a political subdivision of the state may not require an employee to purchase liability insurance as a condition of employment if the state or the political subdivision is insured by a liability insurance policy.

That's how it seems to me .... thoughts?

[RPB]

http://www.statutes.legis.state.tx.us/D ... CP.101.htm" onclick="window.open(this.href);return false;

SUBCHAPTER C. EXCLUSIONS AND EXCEPTIONS

Sec. 101.051. SCHOOL AND JUNIOR COLLEGE DISTRICTS PARTIALLY EXCLUDED. Except as to motor vehicles, this chapter does not apply to a school district or to a junior college district.
...
Sec. 101.109. PAYMENT OF CLAIMS AGAINST CERTAIN UNIVERSITIES. A claim under this chapter against a state-supported senior college or university is payable only by a direct legislative appropriation made to satisfy claims unless insurance has been acquired as provided by this chapter. If insurance has been acquired, the claimant is entitled to payment to the extent of the coverage as in other cases.

Acts 1985, 69th Leg., ch. 959, Sec. 1, eff. Sept. 1, 1985.

[Ameer]

They're liars. They lie about being anywhere near the shootings at VT. They lie about rapes on campus. They lie about DGU. They lie about insurance. I don't think I have ever heard one of them tell the truth about anything.