Quite the opposite, actually. The owner's carrier will most certainly settle before going to court.Right. As it currently stands, unless the gun owner has a separate liability policy that would cover accidental gun discharge or, as one of the posters suggested, cover his/her negligence in leaving a gun in a car where it could be stolen, there is no insurance coverage and the victim of the shooting would be financially responsible. They obviously could sue the gun owner, but that would likely be as successful as getting blood from a turnip.