Gun Insurance

[Randy Roberts]

Originally Posted by Paul Ehlers

I just renewed my Eastern policy. It sure gives me a nice overall piece of mind knowing I'm insured for most circumstances.

Keep in mind that there is one circumstance you aren't covered for and that's government confiscation. I ran into this a couple of years ago with a VHE-20ga I bought on Gun Broker a couple of years ago from a dealer in Maine. Six months after I had the gun in hand the local police showed up at my door with a court order from Maine to take the gun because it was reported as stolen in Maine. It's a long story but the short version is; I lost the gun & the money I paid for it. My eastern policy wouldn't cover it due to the clause for government confiscation. It still hurts every time I think about it.

Well that's an odd one for sure Paul. If it makes you feel any better and it will not you would most likely have that same exclusion in any policy with any carrier, not just Eastern and there will not be a buy back provision on that one. Theft has been mentioned a couple of times here. Along that line Eastern does have an exclusion pertaining to "unattended vehicles" as do most carriers. Theft from an unlocked vehicle with no signs of forced entry, no coverage ! Keep those vehicles locked fellas.
I stated earlier that I was not picking on Travelers, same for Eastern. Both are good products and they all have their quirks. Just pointing a few things out.

[mobirdhunter]

Originally Posted by Randy G Roberts

Well that's an odd one for sure Paul. If it makes you feel any better and it will not you would most likely have that same exclusion in any policy with any carrier, not just Eastern and there will not be a buy back provision on that one. Theft has been mentioned a couple of times here. Along that line Eastern does have an exclusion pertaining to "unattended vehicles" as do most carriers. Theft from an unlocked vehicle with no signs of forced entry, no coverage ! Keep those vehicles locked fellas.
I stated earlier that I was not picking on Travelers, same for Eastern. Both are good products and they all have their quirks. Just pointing a few things out.

So, Randy, is a locked vehicle considered "attended?"

[Randy Roberts]

Originally Posted by Garry L Gordon

So, Randy, is a locked vehicle considered "attended?"

Garry generally speaking that would be correct for most carriers. I'm going to refrain from saying all carriers as there's always the odd ball.

[Randy Roberts]

Originally Posted by Garry L Gordon

So, Randy, is a locked vehicle considered "attended?"

Garry the attached is what I would refer to as a typical example of this language.

[mobirdhunter]

Originally Posted by Randy G Roberts

Garry the attached is what I would refer to as a typical example of this language.

Thank you!

[Bill Murphy]

I wonder why Paul couldn't go back to the dealer or individual who sold him the stolen gun. I have heard of similar situations and the unlucky buyer was able to recover from the seller. In turn, the seller can go back to his source. One of our members bought a stolen high grade Superposed several years ago and recovery was a piece of cake, happening very quickly.

[GH-16]

Originally Posted by Bill Murphy

I wonder why Paul couldn't go back to the dealer or individual who sold him the stolen gun. I have heard of similar situations and the unlucky buyer was able to recover from the seller. In turn, the seller can go back to his source. One of our members bought a stolen high grade Superposed several years ago and recovery was a piece of cake, happening very quickly.

It's a long story, but the short of it is: I did approach the seller and he basically told me it was my problem to work out with the Maine court system. He was banking on the fact that he was in Maine & I'm in Colorado where the overall money involved wouldn't justify lawyering-up to pursue. I do have a court ordered restitution against the thief's that stole the gun. I know that I'll never see a dime from that either, the people that stole the gun aren't the type to pay-up even if it is court ordered.

I was the lucky one in all of this, there was another gun stolen at the same time and the guy that bought is out $12,500.00

I probably should take the time and post a thread telling the whole story to shed some light on some of the things that can come up when buying guns on-line.