gun shop employee unintentially shoots store patron

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M-Quigley
Posts: 4782
Joined: Wed Jun 24, 2015 10:06 pm
Location: Western Ohio

gun shop employee unintentially shoots store patron

Post by M-Quigley »

http://www.whio.com/news/national/gun-r ... E9bua07wN/" onclick="window.open(this.href);return false;
Harris County Sheriff’s Office officials told the news station that an employee was working on a hunting rifle inside the building when it accidentally discharged.

“The bullet went through the wall of the small range house and struck a patron who was walking through the parking lot,” Harris County Senior Deputy Thomas Gilliland told the news station.

It was not immediately clear why the rifle was loaded while the employee handled it. KTKR reported that homicide investigators were looking into whether it was human error or a gun malfunction that caused the gun to fire.
Regardless of what caused the gun to fire, some of the basic safety rules were not followed. :(
drc
Posts: 278
Joined: Tue Feb 23, 2010 3:50 pm

Re: gun shop employee unintentially shoots store patron

Post by drc »

I would surmise that is the end of them. The insurance company will pay out on the negligent homicide case and then cancel the insurance. If there is not enough coverage on the liability plan, the person's family is going to own the store and possibly into the owner's assets also.

Then the settlement is going to be entered into the (used to be Clues) data base that is a record of all claims from all insurance agencies that have been paid out and the why. That will affect any further underwriting going forward, possibly making it too expensive to stay in business.

Something similar when I was an insurance agent, without a death. One of my clients was the now defunct Deer Hunter gun shop in Norton, Oh. One of the employees was test firing a pistol in the gun range. He left one in the chamber, walked out, set the gun on the counter and proceeded to go work at the register.

A customer picked up the gun, put the end of the barrel against his finger tip and proceeded to remove said finger tip. The insurance co paid the claim and dropped them. We never could get them covered again. I assume they were able to get coverage because they stayed in business until the ATF yanked the FFL from the owner due to sloppy paperwork.

You (might) would be surprised though that there are gun shops running with no insurance. That occurred here in the Akron area also. Turns out the store was "cased" and then response time tested with a concrete block. Nothing was stolen, just was timed. They came back the next week and cleared it out. There was 1000's (lots of 1000's)of dollars worth of new guns there on consignment from distributors that walked out the door and no insurance to pay for them. That shop is also now defunct.
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