Excuse me, but can I interest you in a 'random gunman' rider for your car insurance policy?

This past Saturday I was out of town with my sisters at a wedding, leaving Dyl with the kids. Late that night, he texted me with the cryptic message that crazy stuff went down in the neighborhood but they were all safe. We were exhausted so I passed out without seeing the message, not getting it until Sunday morning.

Dyl went to bed around midnight and was just drifting off when he heard an explosion that seemed to come right outside our house. He looked out the window and saw a person running down the street but nothing else seemed awry. Figuring someone lit a fire cracker in a trashcan, he went downstairs to check more closely and saw another person running. About this time police cars started converging on our street where the only tension is over who parked in someone else's space. Then the search helicopter, SWAT armed with assault rifles and K-9 units showed up so shit got real. Still watching (because really, who could turn away), he saw another officer walking down the street shining his light into and under cars but when he got to Dyl's car he stopped and closely examined it. At this point, Dyl went outside, asking if he could be of assistance; did he need to open the car...? No, not that but sir, did you know that you have a bullet in your window? And there it was, in the small window on Noah's side. (Really, what was he going to say, 'Oh that? That's been there for ages; I was keeping it for sentimental reasons.') Miraculously, the kids slept through it all, even with the search teams heading behind our house to the marshy area backing to the highway.

Once the crime scene evidence gatherer type people showed up, they extracted the bullet but now we're left with a shattered window. The only thing left to do was punch the rest of it out and call the car insurance company in the morning to see about getting it repaired. Dyl started the process yesterday and today received an email (!) response that since "we don't carry physical damage on our insurance they are unable to cover the cost of fixing the car."

Wait. What?

If we had been in vehicular accident, would physical damage have been covered? Is this because it was stationary? For fuck's sake, our car had a bullet in it. A BULLET. In our car. That was parked in front of our house. At night. Because someone got all jacked up when someone else insulted his socks or something and ran down the street in a townhouse community randomly firing a gun and hit our car, we're on the hook for the repair cost since no one talks about the 'random-gunman insurance' rider and how it's money well spent. Just waiting now to hear that our rates have been jacked up due to residing in such a dangerous neighborhood. Those Boy Scouts are hard core, man.

'Murica. Fuck yeah.