The sound of breaking glass awakens you in the dead of night. You instinctively grab your trusty shotgun, herd all family members into a single room and call the police. However, before the police arrive the intruder finds you and advances – the 2×4 he used to break your sliding glass door raised above his head. Fearing for your life and your family’s – you shoot him.
After a police investigation, the Grand Jury does not indict you – you are cleared of any criminal wrong-doing. Hungry for fame and/or fortune, lawyers representing the shootee – or his family if he’s deceased – commence a civil suit against you for one million dollars.
Not to worry. Your homeowner’s insurance has always handled auto accidents, wind damages and thefts – and, coincidentally, the policy covers liability up to a million dollars. Only this time, the company is sorry to report that your policy does NOT cover intentional acts. Had you accidentally or negligently blasted the perp, all costs and judgements would be borne by your insurance. But, since you don’t deny purposely shooting the intruder, your policy won’t pay for your attorney or awards against you. Solution: Separate self‑defense liability policy.
Chuck Klein, Columnist: American Free News Network
https://chuckklein.com
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