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View Diary: SCOTUS declines to review Georgia gun law (187 comments)

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  •  Insurance polices... (2+ / 0-)
    Recommended by:
    IreGyre, fuzzyguy

    ...generally have liability limits well below "worst case" scenarios.

    This is not dissimilar to the fact that most people carry well less than $10M of auto liability insurance in spite of the fact that would only scratch the surface of damages if their car hit another car injuring a single young person such that they require 7x24 skilled care but will likely live for many decades.

    So, the insurance company's liability would only be, say, $10M for a church (I'm picking that number out of the air). Therefore the insurance company is likely to be much more concerned about a string of pedophilia cases than the almost non-existent risk of a nut w/firearms causing injuries in the church. This is especially true since the church isn't necessarily responsible for the actions of a random nut with the firearms as they don't have a duty to protect you from all injuries caused by third parties (any more than a local mom-and-pop business does).

    •  good information... another question... (0+ / 0-)

      some policies can have extra clauses and limitations on cover... or increased or reduced premiums depending on compliance with certain things... (non smoker for fire insurance for instance...)... installation of smoke alarms etc.

      So IF the insurance companies saw a definite link to losses linked to gun policies then that could affect the way coverage worked and policies were written... but as you say pedophile priest problems with lawsuits cost a lot more than a few deaths...

      Pogo & Murphy's Law, every time. Also "Trust but verify" - St. Ronnie (hah...)

      by IreGyre on Tue Jan 08, 2013 at 06:09:42 AM PST

      [ Parent ]

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