If you intentionally shoot someone in the foot, no coverage.
If you shoot a burglar in the foot, he’s convicted of burglary in criminal court, yet files a civil suit against you: damn right that the insurance co should pay for legal costs and damages if he manages to con a jury into awarding him.
Difference between a car and a gun is that a car isn’t intended as a weapon. A gun is, but can be used for good as well as evil.[/quote]
You’re right. And there would be coverage. I was referring to the example given where someone intentionally shoots a friend in the foot to collect on insurance. Good catch.