(C) Daily Kos This story was originally published by Daily Kos and is unaltered. . . . . . . . . . . A Warning to the MAGA infected... [1] ['This Content Is Not Subject To Review Daily Kos Staff Prior To Publication.', 'Backgroundurl Avatar_Large', 'Nickname', 'Joined', 'Created_At', 'Story Count', 'N_Stories', 'Comment Count', 'N_Comments', 'Popular Tags'] Date: 2023-04-16 Every year, my insurance guy (Farmers) sends me a notice to review my policy. Nothing unusual, just part of the job when you have stuff like cars and homes that need/require insurance. This year there were changes, in particular, exclusions, i.e. those cases where the insurance company steps out the back door, waving at you… TL;DR alert. The following quote is for reference. Skip to below and refer back for context. Amendatory Endorsement - Personal Umbrella Policy - Oregon (OR031 - 3rd Edition) Part III - Exclusions, items 4 and 17 are deleted and replaced with the following: 4. Caused by, arising out of or are the result of an intentional act by, or at the direction of any insured. This includes, but is not limited to, any intentional act or intentional failure to act by any insured, where resulting injury or damage would be an objectively probable consequence. This exclusion applies whether or not any insured mistakenly believes he or she has the right to engage in certain conduct. This exclusion does not apply to another insured who does not cause, does not contribute to, and is not aware of the intentional act before it is committed. 17. Arising from, during the course of, or in connection with, any actual, alleged, or threatened molestation, abuse or corporal punishment of any person by anyone, including, but not limited to: a. any insured; b. any employee of any insured; c. any volunteer, person for hire, or any other person who is acting or who appears to be acting on behalf of any insured; or d. any insured or employee of any insured where there are allegations of negligent supervision, negligent hiring, training, or negligent entrustment or any allegation that any insured or employee of any insured failed, or allegedly failed, to train, supervise, detect, report or otherwise prevent any person from allegedly molesting, abusing or punishing, or continuing to allegedly molest, abuse or punish any person. We have no duty to defend or settle any molestation, abuse or corporal punishment claim or any claim of negligent supervision, negligent hiring, failure to report, failure to prevent or negligent entrustment suit against any insured or any other person. Part III - Exclusions, item 35 is added: 35. Caused by, arising from, or are the result of any illegal or criminal act performed by, or at the direction of, or in conspiracy with any insured. For purposes of this exclusion, a plea of guilty, no contest, or true in a criminal proceeding, which involves the same acts or activities which are the basis of a claim for damages against any insured, shall conclusively bar any bodily injury, property damage or personal injury which arises or results from or is caused by such acts or activities. Part VII - Conditions, item 10 is deleted and replaced with the following: 10. Concealment, Fraud, Application. This policy is void if any insured has willfully concealed or misrepresented any material fact or circumstance relating to this insurance, before or after the loss. All statements made by you or on your behalf, in the absence of fraud, shall be considered as representations and not warranties. Any such statement that arises from an error shall not be used as a defense of a claim under this policy unless: a. the statement is on a written application, and b. a copy of the application is attached to this policy when issued. The representation must be material and we relied upon it. Let’s start at the top: … where resulting injury or damage would be an objectively probable consequence. ... In other words, sure, you thought it was just “a tour of the Capital”… Maybe, but the company is not going to post your bail or cover the scuff marks you left on the Speaker’s desk. And: his exclusion applies whether or not any insured mistakenly believes he or she has the right to engage in certain conduct. Sure, you believe you have a right to carry that firearm that discharged while aimed at someone you didn’t like/agree with. Or you thought that the “People’s House” meant that you could just go in any time you wanted. Tough. Seems insurance companies don’t have the same interpretation of either the 2nd Amendment or the theories of “Sovereign Citizens”. As for exclusion (17), good luck religious school that thinks corporal punishment or malfeasance by your devout “teachers” gets a free pass. You may be able to do a snow job on the current SCOTUS but don’t expect your insurance company to cover the costs getting there — or whether it will be there when you have to cough up fines/damages. Also, paragraph 35 doesn’t even help you even if you cop a plea. Oh, and just to be sure, so you neglected to tell them that you are active on a site full of Hitler loving racists and Qanon loonies. Well, the company might just find your Twitter musings and not be amused. And no, they don’t need to refund your premiums. You see, the difference between (almost all) progressive/liberal protesters and RWNJ protesters/insurrectionists is that we stay within the bounds of the law if for no other reason than it messes with the reactionary cops/politicans heads. The RWNJs think that, just because of their assumed privilege, things like this do not apply. Well, maybe. But don’t count on you insurance company to agree. Good luck with that. 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