Will insurance cover an accidental rifle shooting with in my truck?

Question

I accidentally shot through my back door of my extended cab damaging my leather seat and door panel. The bullet did not come through, so there is an indentation on the outside of my door; a little bulge.

Answer 1

Read your policy, and get an estimate. Your deductible might be more than the damage.

Answer 2

If you have comprehensive coverage - it may cover it.

Depends on the language in your policy.

However, your insurance company will probably cancel you. I know I would recommend that to my underwriting department if your claim came across my desk.  

Answer 3

If you have a gun that cannot have the safety on to load it, that is downright negligent of the manufacturer, sue them.

But you are more negligent for violating the first rule of guns, which is never to point a gun at something you do not intended to shoot, or in a safe direct.  And NEVER load a gun at the range until you are ON the firing line (they probably have rules about that).

You also violated state laws of most states by having a loaded gun in a vehicle, which except in a few states should be unloaded and encased in or on a vehicle.

Answer 4

More than likely it totally depends upon the laws in your state concerning the transportation of firearms.   I know that in my own state the weapon has to be unloaded and the bolt either locked open or removed.  If it will be a violation of law then your insurance company will more than likely not cover the damage.

Answer 5

probly not....

Answer 6

It depends. What are the laws regarding the safe transportation of a firearm in your jurisdiction? If you were breaking any of them then this loss would not be covered as the loss was caused by an illegal act.If you did not break any laws then the loss would be covered under Comprehensive coverage. I would expect your insurer would include a letter of non-renewal along with the cheque to save themselves the extra stamp.

Answer 7

EXCELLENT question.  Because off the top of my head, I'm not sure.  Off to pull my sample policy forms:

Assuming you have collision,(and whipping out my sample policy form), Part D, under the insuring agreement, section B, part 1., loss caused by the following (missles or falling objects) is considered "other than collision".  

Comprehensive (aka, other than collision) - can't find an exclusion that would apply.  

So yes, IF you have comprehensive coverage, this would be covered.  Your deductible would apply.

Answer 8

I doubt it , carrying a loaded gun ???  

Answer 9

Well, first you must prove it was an accident with pictures and so on.

Look up on your insurance service provider's website for details. If you cannot find what you were looking for, Then send them an e-mail with clear photographs of the damages along with detailed descriptions.

If possible, witnesses are always awesome in these cases

Answer 10

That depends, is your husband still breathing?

Answer 11

Are you sure it was an accident?? ...

Answer 12

Call 1-800 d**k CHENEY.

You are a pefect testament as to why we need gun control.  Lucky your dog wasn't in there . . .

Answer 13

certainly should, but won't the fine and loss of rifle and hunting priveledges cost you more than paying for the repair yourself? blatantly ther is a charge of careless discharge here, probably can get you for shooting to close to a roadway, and a variety of others

Answer 14

Call them and ask.