Man Stuck with Repair Bill for Someone Else's Police Shoot-Out

By: Associated Press
By: Associated Press

A northern Lower Michigan man is upset insurance doesn't cover the damage done to his mobile home during a neighbor's shootout with police.
Lance Reed says he's already spent $1,500 on repairs to five bullet holes at his home in Grawn, and he doesn't have the money to pay for the necessary fixes.
According to Reed, Auto-Owners Insurance told him bullet damage doesn't fit into the perils outlined in his policy. They include fire, smoke, flood, windstorm, riot or civil commotion, vandalism or mischief, damage by burglary, aircraft and vehicle damage.
The company says it is handling Reed's claim and plans to send him a letter explaining its position.
Reed plans to seek assistance from others to help pay for the repairs.

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  • by Heywood Location: Location on Apr 29, 2013 at 08:23 AM
    This is business as usual for Auto Owners. Doesn't surprise me a bit.
  • by Anonymous on Apr 29, 2013 at 04:56 AM
    When you get insurance, you expect to have it cover under most unusual circumstance. This would be like those old cartoon where you buy a huge policy with a huge payout that has a absurd occurrence. Like a marlin fish falling from bi plane hitting you while you were in a kayak and it breaks your leg. Everything happen, but the leg you break is different from what is said in the policy.
  • by James Location: Lansing on Apr 27, 2013 at 08:15 AM
    $1500 to repair 5 tiny little bullet holes on a mobile home?? Yeah right!!
  • by Mariah Location: Bath on Apr 27, 2013 at 04:43 AM
    Way to go Auto-Owners! You're dipping into your bag of old cheapster tricks yet again. History always repeats itself, especially when it comes to corrupt big business. Maybe the almighty police department (which always goes out of its way to take care of its own) could do something different for a change by lending a helping hand to someone negatively impacted by police actions. A police department fundraiser for the repair of this man's bullet-riddled mobile home would be a very nice gesture on the part of the law enforcement community. I'm not holding my breath.
  • by Anonymous on Apr 26, 2013 at 11:31 AM
    How does this not fall under civil commotion? Any excuse not to pay. This poor man had no control over this.
  • by Michael Location: Jackson, MI on Apr 26, 2013 at 08:33 AM
    Who wants to bet this man has paid more in premiums than what the repairs cost? Insurance is little more than gambling.
  • by Jonathan Location: Lansing on Apr 26, 2013 at 06:11 AM
    Auto-Owners is once again making news for not paying a claim. I'd like to hear their definition of 'civil commotion' or 'mischief', and why stray bullets from a gun fired at police officers do not fit into either of those categories.
  • by Frank Location: Lansing on Apr 26, 2013 at 05:20 AM
    I suppose he could sue the neighbor who had the shoot-out in small claims court...but that *might* cost more than just plugging them up himself. Hope the damage isn't too bad. Sometimes life hands us these weird problems and the only solution is to suck it up and move on. That's unfortunate for him.
  • by Anonymous on Apr 26, 2013 at 05:19 AM
    Riot or civil commotion is what took place, they should pay. Or go after the neighbors for the cost. Of course they probably don't have any money.
  • by Elaine Location: Location on Apr 26, 2013 at 04:48 AM
    It's amazing that his policy won't cover this type of damage. Who would ever consider having this added to their insurance policy. Poor fellow all he did was live in the wrong location and get caught up in something he had no control over.
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