S&W lock removal

[leadstorm]

I have questions regarding what is and is not covered by his product. He was unable to provide me with the answers to those questions.

Then you're either over-thinking the matter or being obtuse.

He gave a legitimate answer:

They confirm there is no verbiage in the policy that would specifically result in denial of coverage if a revolver was used in an otherwise good shoot that had its lock removed/disabled.

He also added:

There IS verbiage in there that makes it very clear "illegal" modifications are grounds for denial.

In California, it's not illegal to carry a modified gun unless it's prohibited via printing on the license itself.

So, if they print "No Mods" on a Placer County license, you could both go to jail and be denied coverage because of an illegal act. If they don't print it on there then there's nothing illegal about carrying a modified gun and the company would be obliged to honor your claim. The adjunct policy letter is meaningless in this argument (even though you may lose your LTC).

In most (all?) other CA counties that issue permits, mods to guns are not even addressed via agency policy.

[-hanko]

hanko, I appreciate the response. But really, and again, this is just so simple. How did it get so sideways? At the risk of repeating myself

Fact: some counties restrict modifications.
Question: does yours?

Fact: at least one insurer will not commit to covering this specific modification.
Question: Do others? Do any?

Fact: You are rolling the dice IF you modify your gun and are forced to use it.
Question: Can you afford to be the 'test case'?

Everything else is speculation and opinion on all our parts. Lets not try to give the OP or casual reader the impression otherwise.

As for relaxing? You betcha! Not my first rodeo, if ya catch my drift

No restrictions, statewide. I live in Idaho the majority of the time.

See above and my last post...that's why I have insurance and a very good attorney.

The only "impression" I gave the OP was that there's apparently no case law to be found re: gun modifications and a good shoot.

That said, care to cite a case where, as you put it " Auto insurance companies regularly drop/decline coverage over almost incidental minor modifications that their clients didn't report first."

Do you have a CA CCW, insurance, and/or an attorney?

-hanko

[BigJ]

Then you're either over-thinking the matter or being obtuse.

He gave a legitimate answer:


He also added:
In California, it's not illegal to carry a modified gun unless it's prohibited via printing on the license itself.

So, if they print "No Mods" on a Placer County license, you could both go to jail and be denied coverage because of an illegal act. If they don't print it on there then there's nothing illegal about carrying a modified gun and the company would be obliged to honor your claim. The adjunct policy letter is meaningless in this argument (even though you may lose your LTC).

In most (all?) other CA counties that issue permits, mods to guns are not even addressed via agency policy.

Round and round we go. I take it you've never had to put in a substantial claim with an insurance company?

He said "maybe". And he's right. Maybe you'll have coverage. Maybe not. I'm not comfortable with that level of ambiguity. 'Maybe' you are

****
Hanko... proverbial 'you', not you you. I get it when it comes to you you. You're good to go.

That said, care to cite a case where, as you put it " Auto insurance companies regularly drop/decline coverage over almost incidental minor modifications that their clients didn't report first."

Nah, no thanks. Instead, if you do modify your vehicle, I strongly advise you call your insurance company and make them aware that you did. Get them to write the change into your policy.

Or don't. Up to you

Do you have a CA CCW, insurance, and/or an attorney?

Working on it, shopping around, and yes. Why?

[-hanko]

Working on it, shopping around, and yes. Why?

Only curious...tone of your posts made me think you had the permit, and I thought the Peoples' Republic required insurance as a condition of getting permit, apparently along with a ton of other stuff...like a good reason, psych exam, etc.

Here, it's fill out the ap, show a certificate of appropriate training (kind of a recent change, at least where I live), pay your money, get prints and pics, and wait for the letter from your county sheriff. Painless, at least compared to the PRK.

-hanko

[BigJ]

Only curious...tone of your posts made me think you had the permit, and I thought the Peoples' Republic required insurance as a condition of getting permit, apparently along with a ton of other stuff...like a good reason, psych exam, etc.

Here, it's fill out the ap, show a certificate of appropriate training (kind of a recent change, at least where I live), pay your money, get prints and pics, and wait for the letter from your county sheriff. Painless, at least compared to the PRK.

-hanko

Roger that. Its totally county based in the PRK. You could have a sherriff that "shall", "may" or "will not" issue. Just depends on how the voting winds are blowing on any given day.

It wouldn't shock me at all if required insurance becomes a 'thing'. Hell, with the way our courts are civilly speaking maybe it should be. Seems we're liable for some sort of damages to someone just for waking up in the morning.

[quiet-wyatt]

Or let me ask it another way: as a ccw holder and one who carries, you have ccw defense and/or liability insurance, right? What does your policy issuer say about modifying the gun? Is it permitted? Will they drop/deny coverage if you modify it?

I don't think it's fair to call these sorts of questions or concerns "FUD". It's nothing of the sort to recognize the risks associated with your actions.

The locks are NOT a safety - The locks completely disable the gun. That's the difference...
They have failed. It would be the same as putting a trigger lock on it and not having the key... Why take the chance?

If you were disable a safety, then I could see some problem. But this is not a safety...

[norcal77]

I say sell it and get a pre-lock, or a Colt ;-)