Gunman,
The breaking of my gun was not an insurable event. Even if it were, my deductible would have been high. To restock the gun would have exceeded the economic value of the gun. Insurance companies make money collecting premiums, not paying claims. That's from my experience in a collateral profession. Furthermore, a third-party claim under my jurisdiction's law would need to prove negligence on my part not the mere fact of injury. Perhaps the insurance company rejected the claim because the initial breakage was not reported because there was no insurance at the time or the owner felt it wasn't an insurable event. However, in my state, a repaired object has insurable value and, at least here, what was told the unfortunate in your case would not be correct.
