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  • #2
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    We want to make sure that you are covered in case you get injured during your rioting. We wouldn't want an injuring from rioting to go unaddressed. Next up, let's also make sure all the gangbangers are insured too. That's a dangerous line of work. Many gun and knife wounds can happen. Let's make sure the medical bills are covered for those who are on the frontlines of gangbanging, so we can make sure they can get back to gangbanging as soon as possible.
  • #4
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    If a gangbanging thug gets his grill damaged if someone punches them in their gold teeth during a "piece of work" at a convenience store, or bank, or parents with kids in strollers (another got shot dead in new York), will insurance buy him that new grill, gold with diamond inlay?
  • #3
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    Innocent bystanders especially should be covered. But not rioters who commit malice on the community -- those hurt while doing criminal mischief shouldn't be covered.
  • #10
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    I don't see how that would work in the real world. "Criminal mischief" is a matter of law and adjudication, which can take time to settle. A broken arm, on the other hand, needs immediate attention. Would you want a system in which needed care was withheld until lawyers decided if you were "not guilty"?
  • #20
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    @DARSB medical attention would not be denied.....you should know this. It's the payment of the bill by insurance that matters. Hospitals and medical personnel all know about waiting for a claim to be filed. If declined then there is the resubmital routine.......very common. Truthfully I doubt that an insurance company could deny a claim (in the end) if the person was not charged with rioting.
  • #27
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    @DARSB it's already common practice for life insurance policies to not cover a life lost while commuting an illegal act. Yes it would be adjudicated in a health insurance claim, but so what?
  • #16
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    I think if you are part of the riot and get hurt, that is your fault and you should get nothing.

    But a bystander, ya, I think you should get some help.
  • #37
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    Agreed, there has to be some semblance of personal responsibility here. Other students shouldn't be left footing the bill for the stupid few that want to take a peaceful protest a further step in the wrong direction. I'll go even further, I say those who are found to have started the riot should be financially responsible for all those he/she injured as a result of his/her stupid actions.
  • #11
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    "Innocent bystanders" to riots should be smart enough to "get the hell out of Dodge" before they get injured. Stupidity should not be insured.
  • #19
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    When walking to my car with my wife, we had to pass by some demonstrators and the police started shooting tear gas. We ran to avoid being exposed to the tear gas. We had no knowledge that a demonstration was going to be there.

    Reckless drivers are covered by insurance, so should they not be covered although they are stupid?
  • #21
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    @MellowGuy the actions of other drivers are only covered up to a point. Up to you to get anything past that.

    IF you are part of a civil disturbance, peaceful or unpeaceful, you should not be afforded the same privilege as those who are not part of the disturbance.

    Like health care services.
  • #30
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    @BudKilmer wrote:
    IF you are part of a civil disturbance, peaceful or unpeaceful, you should not be afforded the same privilege as those who are not part of the disturbance.

    So how would you write that law?
  • #8
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    My "yes" wasn't based on 1st amendment grounds - it's on medical necessity. Trauma is trauma, it doesn't matter where or how it happened.
  • #5
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    An interesting "slant" on injuries. Now. How many riots has Berkeley had? How many people have been injured in these "riots"? How many people are injured on campus from any cause? How many other campuses have "riots"? How many people are injured on other campuses from any cause and does their health insurance cover them? There are great gaping holes in your reporting.
  • #36
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    Innocent bystanders and those merely passing by I could understand. I understand those exercising their first amendment rights to protest but there is also a personal responsibility issue here. These idiots who decide to go further and riot should be held responsible for their own medical bills. Other students and taxpayers shouldn't be left with the bill for their stupidity.
  • #29
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    When you participate in a riot and try to burn someone's car and they shoot your goat smelling ass, you should have to dig the pellets out yourself.
  • #28
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    I don't see a moral issue here - it is all about what the contract says, and if you signed it without reading it, you deserve a nightstick upside the head.

    Got me to thinking, though: under Obamacare, I won't put up with waiting 6 months to see a doctor, like they do in England. However, I may well want riot insurance - does anybody have a plan that would cover me for injuries, fees, and penalties I suffer while looting and pillaging?
  • #23
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    Participating in a riot is or should be criminal. There is a massive difference between protesting and rioting. Including this coverage should make both Aetnnna and UC Berkeley culpable for damages and crimes committed during a riot.
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