Reply #62

For example, if your car is stolen and involved in an accident - or a deliberate act - that harms another person or property, insurance pays for the damage.

In some situations, insurance will pay the person injured by deliberate criminal acts, but will not pay or protect the insured if the insured committed the criminal act. For example, if you kill or injure someone while driving while intoxicated - a criminal act - your policy will usually pay the injured or their estate if you kill someone, or for property damage. What it might not pay is you for your losses, but even then no fault law might require any medical bills you require needs to be paid, criminal act or not, or towards your legal defense.

Who gets paid under what circumstances is covered by how the law requires the insurance to be written.

So what you noted is true......but only to a point, and is not likely to be a problem with this kind of insurance. However, if you have a history of suicide attempts, with or without using guns, you might have to pay a much higher rate for risk coverage, or even be refused insurance for firearms, making it more difficult to buy either a gun or ammunition.......and therefore more difficult for you to commit suicide in the future.