The degree of personal Liability is attached to the degree of negligence exhibited... simple vs. gross.
Like someone pointed out... night hunting brings on a whole new world of "what if" as you certainly can't see off in the distance and have a better view of "beyond your target" as you do in daylight.
Might want to check into the individual limits of the NRA-based policies... last I looked a few short years ago (Instructor Policy), there was a $5,000.00 cap on MEDICAL payments.
When I asked DIRECTLY why, as one would assume that's where a lot of costs will stem from, the guy on the phone said they make an immediate medical payment to help persuade the injured party not to sue... I SWEAR TO THE LORD ABOVE that is what the guy said... my response was the policy is misleading ($1,000,000.00) and stubbing your toe costs $5,000.00 now days at the ER... so... who gets sued for the remaining medical costs? You. In reality, you have a $5,000.00 MEDICAL policy... not 1M.
Nothing wrong with having insurance I suppose, but at least READ over the coverage limits so you know what you have and what you don't have. It was eye-opening to me.
Does anyone know something contrary to this?