Joe B. was visiting his parents in Foster City, California, and spending the night at their home.
Around 4:15 a.m. Joe awoke after hearing a noise in the house.
“I heard the noise coming from the front door. I heard clicking, rattling of the door handle.”
“I woke up my father, and told him someone’s trying to break into your house, where’s your gun?”
But the intruder didn’t have any luck with the front door, so he jumped a fence and went around to the back of the house.
From there, the intruder went through an unlocked side door and into the garage.
“This guy is now in my house,” Joe recalled.
As Joe moved through the house he came face to face with the 6’4″ intruder.
That’s when Joe fired three shots at the man.
“I had no choice given the circumstances,” he said.
“There was no knocking, there was no announcement, there was no nothing,” Joe said.
It turns out the intruder was intoxicated and believed he was walking into a friend’s house… But he was very wrong.
The crazy thing is, months later, the intruder filed a civil lawsuit against Joe, claiming negligent use of a handgun.
“This guy put a huge burden on my shoulders,” Joe said.
Sadly, Joe faced legal fees that he couldn’t afford. Since the shooting occurred at Joe’s parents’ house the insurance covered his parents, but not Joe’s legal fees.
Thankfully, in the end, the court sided with Joe.
“That is my biggest issue, our judicial system allows these people to have the right to try to sue,” Joe said.
The fact that our legal system allowed this to happen is absurd.
Even more alarming is that some cities mandate that residents who own firearms must have gun liability insurance.
The city of San Jose, California was one of the first cities to pass a law requiring gun owners to have specific liability insurance.
Forcing gun owners to have an insurance policy just because they own a gun is nonsense and here’s some of the reasons why…
Insurance doesn’t cover crimes:
Liability insurance typically covers accidental shootings.
In some cases, the insurance might cover self-defense shootings if it’s justified.
But insurance won’t cover criminal acts.
A statement from the NRA said, “Liability insurance will never cover criminal acts, and those who break the law are already liable through our justice system.”
We all know how the insurance industry operates.
Even if people have gun-specific coverage, companies will find ways to avoid paying out claims.
They will find reasons and argue it could be a criminal act.
Few companies offer gun-specific policies:
There are very few companies that offer separate gun liability coverage.
Most people who have property and liability coverage in their homeowner’s policy are already covered.
Also, if a gun owner believes their standard insurance doesn’t provide enough coverage, they can add an umbrella policy.
There are umbrella policies that cover millions of dollars if your net worth makes it necessary.
If you are worried about having insurance for gun liability coverage, I would add an umbrella policy.
Another form of gun control:
States such as California and Maryland where these types of laws have been proposed are known for crazy gun laws.
And the truth is, these insurance requirements are just another form of gun control. It’s just another way to hinder people from owning guns.
They are banking that some folks won’t own a gun because of the hassle and costs associated with adding specific insurance.
Further, most insurance companies avoid the topic of gun liability insurance.
Also, everyone knows that criminals are not going to carry liability insurance for their guns.
These laws are one of the reasons it’s more important than ever to protect our 2nd Amendment rights.
The best way to secure your 2A rights is to own and carry wherever you legally can.
And train with your firearm to ensure you can accurately put rounds on target if you ever need to defend yourself with your gun.
