dcmdon
NES Member
This. It's an umbrella policy. If you shoot someone you may get sued. If you expect the insurance company to pay the claim you should at least let them know you have firearms and cars and large dogs and boats etc. All kidding aside insurance companies are tougher on pools than guns and boats are right up there too.
My insurance agent once told me that you should never lie to your ins co. Simply because if you lie about something, you can't expect to be covered. He however also said that you are under no obligation to volunteer anything.
For example, I remember when a friend's kid turned 16. He called his ins co and added his kid to his policy. They of course asked him how old, and with a 16 y/o driver, his rates went therough the roof.
This was COMPLETELY unnecessary. Every driver of your car is covered by your policy.
**Edit** I know this to be true when it happened in the state of CT, don't take this to be true in your situation*** The smart thing to do would have been to tell them nothing. However if they ever asked you to update anything and ask for drivers you would need to tell them.
Re pools - Insurance companies operate based on statistics derived by actuaries. They are harder on Pools because statistically pools are MUCH more dangerous. Going from memory, I remember researching that roughly 60 kids die every year from accidental gunshot wounds. Roughly 600 kids die every year in swimming pools.
Don
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