INJURED IN GUN ACCIDENT INSURANCE
Our lawyers have handled cases in Minnesota where a gun is accidentally discharged and someone is injured. The injuries in this situation can obviously be serious, with significant medical bills and possibly long term complications. Fortunately, in many cases, the gun-owner’s homeowner’s insurance will usually cover the accident and pay medical bills and other compensation.
However, if you own a gun, you should talk to your homeowner’s insurance agent to make sure you are covered. Some homeowners insurance policies have an exclusion for ANY criminal act – even if it’s an accident. So if you gun goes off by accident, you could still get charged with reckless discharge of a firearm, or another crime, and void your insurance coverage. Likewise, if you accidentally leave your loaded gun unintended and someone picks it up and accidentally shoots someone, there may be a criminal charge against you – even though it was a complete accident. Therefore, you want to make sure your homeowners insurance only excludes intentional acts, not accidents that result in possible criminal charges. You may even be able to get a specific rider on your insurance to cover the gun.
Most responsible gun owners are very careful with their guns, and an accident is unlikely to happen. Most cases our attorneys have seen of someone getting accidentally shot, involve alcohol and less responsible behavior. But we have also seen gun accidents where the owner is very responsible and just makes a momentary mistake, with tragic consequences.
If you have been injured in a gun accident because a gun went off and you were accidentally shot, call us for a free consultation with a lawyer. Our Minnesota attorneys have more than 25 years’ experience making sure people are fully compensated when they have been unintentionally injured in an accident.