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Yet another mass shooting has occurred, this time in a small church in Texas. This time it appears to be related to domestic issues, however twenty-six innocent people were killed, and at least twenty others injured. This incident was different however, in that armed bystanders challenged the gunman and took chase. Reports state that upon leaving the church the gunman exchanged fire with an armed bystander before getting into his vehicle and taking off. The bystander flagged down a man in a vehicle who picked up the bystander and both pursued the gunman at speeds of up to ninety-five miles per hour. Finally, the gunman lost control of his vehicle and hit a tree. The bystanders were in contact with police through the chase, and after the gunman crashed, they stayed at their vehicle with a gun directed towards the gunman’s vehicle until the police arrived. 

The actions of the bystanders add a different element to this situation. The gunman’s actions are not going to be covered by insurance, since it was an intentional act. Bystanders’ took action that could have resulted in bodily harm or property damage, would insurance cover those injuries or damages? One exchanged fire with the gunman; he could have hit an innocent person or damaged property in that exchange.

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