Colorado lawmakers want gun owners exposed to civil liability

[lynne]

19. Sorry, but I AM correct -

- after spending 30 years in the insurance industry - including claims work - this is one aspect I'm positive about. I've seen this exclusion in action and worked a claim where a vehicle was taken without the owners permission and was involved in an at-fault accident. The liability portion of the coverage was denied as per the policy provisions.

Physical damage to the vehicle itself was still provided but liability was deemed null as the vehicle was stolen and not in the care, custody and control of the insured. If you have an auto policy, I suggest you read the liability exclusions.

Edit to add: You refer to the "owners liability". That's the key. The owner has NO liability when a vehicle is stolen. That's why the coverage is excluded. And that's why the same would apply in the event a gun was stolen. It also applies to motorcycle or any item stolen that later is used in such a manner as to cause bodily injury or property damage to others.