ctdonath
Member
Worth repeating.most responsible people have at least a million dollars homeowner liability coverage, so they go after that.
Most such policies will exempt the carrier from liability for a willful tort, i.e., a deliberate act on your part. They will only pay off on NEGLIGENCE. Therefore, to get at the deep pockets, the plaintiff manufactures a theory that you accidentally and negligently discharged the gun while holding the surrendered burglar at gunpoint, resulting in a wrongful death.
All too often we forget that the prosecutor is after a successful conviction, not the truth. He can make up stories just like the defense can. It just has to be plausible enough for the jury to vote accordingly, it doesn't have to be true - and light triggers open the door to some pretty convincing fabricated accounts of what happened.