The Insurance Company is not going to pay for this one.

As I mentioned in a previous post your Homeowner’s Carrier will more than likely defend you if get in a fight and injure someone if the sole reason you were in the brawl was  to protect yourself or your family – as long as you do not get carried away (e.g. know when the fight is over).

However, this guy who attacked Senator Rand Paul from KY last week, is likely going to get nowhere with his Insurance company.  That is because the policy has a very clear  exclusion  for Bodily Injury that is expected or intended.

Obviously this guy Lawyered up, and the Lawyer made it point to say the incident was absolutely not planned out ahead of time.  If the reports are true, this guy, a doctor by the way and a neighbor of the Senator in their gated community,  tackled Paul from behind, who had no idea he was going to get hit because he  was wearing ear protectors.   Whatever happened after that, the resulting injuries were 6 broken ribs and a cut up face to Paul.   So that fact that it was not planned ahead of time doesn’t matter, because as soon has the Doctor left his feet to fly into Paul, he intended to do harm.

Now, I don’t know squat about Paul (e.g. his policy positions), nor do I plan to learn about him, like you, I've got way more important things to focus on then to learn about the Political Philosophy of Senator from KY,  so don’t read anything into my political leanings when reading this.  The point is, if this claim came into our office, we’d let the reported assailant know, “Doc, we’ll get this turned in for you, but don’t expect coverage.”

What a weird scene, no?  Can you imagine seeing that, A Doctor and Senator in a fight right right in the middle of your neighborhood  - a gated community no less!   

I don’t live in a gated community, but I  envisioned you’d live in one to keep the maniacs out.   It appears the opposite in this neighborhood – trapped with each other, even Doctors and Senators turn combatants – reads like something out of  Lord of the Flies

Posted 9:35 PM

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