Why is it legal to insure certain people for criminal acts?
Cassy asked:
Fridays newspaper listed all the religious leaders from the protestant churches and the Catholic churches who have commited sexual acts on minors. Presently there are 30,000
( 13,000 Catholic 17,000 Protestant) cases and the insurance companies said ” they represent a very minority of the cases, because most victoms do not want to tell anyone about what happened ” and ” that most cases are settled for 1 million dollars. ”
But what I don’t understand is how is it legal to insure a criminal ?
My sons home was flooded 2 years ago, and he tried to buy flood insurance and was denied because “you don’t live in a flood zone” This is ludicres. He is refused insurance, millions of Americans cannot aford health insurance and these rotten church leaders are insured for crimes. What is going on in this country? Someone please tell me ?
Protestant churches report 260 cases a year. This is information obtained from 3 insurance companies, Church Mutual, Guide One, and Brotherhood Mutual.
Fridays newspaper listed all the religious leaders from the protestant churches and the Catholic churches who have commited sexual acts on minors. Presently there are 30,000
( 13,000 Catholic 17,000 Protestant) cases and the insurance companies said ” they represent a very minority of the cases, because most victoms do not want to tell anyone about what happened ” and ” that most cases are settled for 1 million dollars. ”
But what I don’t understand is how is it legal to insure a criminal ?
My sons home was flooded 2 years ago, and he tried to buy flood insurance and was denied because “you don’t live in a flood zone” This is ludicres. He is refused insurance, millions of Americans cannot aford health insurance and these rotten church leaders are insured for crimes. What is going on in this country? Someone please tell me ?
Protestant churches report 260 cases a year. This is information obtained from 3 insurance companies, Church Mutual, Guide One, and Brotherhood Mutual.
You mean to tell me that ONLY Protestant or Catholic church leaders molest children? I think that your newspaper is garbage.
But yes, all things aren’t right in the world, and they never have been. Can’t help you.
I’m not certain, but I believe the insurance coverage you read about in the paper is for the civil suit that often follows a criminal trial. For example, OJ Simpson was tried criminally for murder first (and found not guilty) and then subsequently tried (and found liable) in civil court for wrongful death. Yes, it is the same act (2 people died), but there are two legal proceedings. The standards of proof in criminal and civil trials are different as are the possible punishments, so the accused is not technically being tried twice.
In general, I don’t believe you can get insurance for a criminal act. First, a criminal act is intentional usually and no insurance company will cover you knowing that its a guarantee they’ll have to pay out. Second, a criminal trial involves some sort of incarceration (jail, probation, etc) as punishment and not money. Insurance policies almost always pay money.
You can, however, get insurance to cover certain unintentional acts for which you may be held civilly liable. I think homeowner’s insurance policies will often cover you if, for example, someone who comes to your house, trips, and hurts their back decides to sue you for negligence. I think the same rule from above applies, however, and that intentional acts for which you could be found civilly liable are generally not covered by insurance.
I’m not familiar with the church cases specifically, but its possible that the church was sued not for child molestation but ancillary torts, such as neglience (should have reasonably known that priest X was a pedophile, etc), assault (which is what child molest is at a base level), or infliction of emotional distress.
Hope that helps.
I don’t know why this is allowed.
It shouldn’t be legal to insure certain people for criminal acts.