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Insurance Coverage for Gun Injuries

BY Chet A. Kronenberg
August 27, 2013

Recent tragedies have again focused the national attention on the problem of gun violence in the United States. The insurance industry is no stranger to gun-related claims. Although myriad scenarios give rise to such claims, three coverage issues tend to predominate in these cases.

Gun Accident or Car Accident?

From simple hunting trips to drive-by shootings, it is not uncommon for car use and gun use to overlap. When gun injuries result from such overlap, does automobile insurance cover the damage? Car insurance generally provides coverage for damages that arise out of the use of an insured vehicle. When the insured vehicle is nothing more than the location of a gun injury, the insurance policy will not provide coverage. However, where the use of the vehicle is sufficiently intertwined with the events causing the gun injuries, courts have found that the automobile policy provides coverage.

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