Liability insurance for self defense shootings

[TheTman]

The USCCA (US Concealed Carry Association) is offering insurance in case some scumbag's family sues you for shooting their little darling. Might not be a bad idea to look into. I'm thinking about it. Thought I'd pass the info on. I think everyone can look at the sales pitch, have to be a member to sign up for it. Especially if you live in a liberal environment.
http://www.usconcealedcarry.com/self...)&utm_content=

[Longitude Zero]

Good but.......

The claims that you never have to worry don't look to be true. The policies, as do all insurance policies, have limits. If the jury decides to hit you with a verdict 10 times the maximum payout who pays the excess... why the citizen of course.

As to the lawyer bills most every attorney I know reguires $50,000 as an up front retainer in a self defense case. In a recent case where I live the lawyers bill topped One Million dollars and he still lost.

So they are IMHO way OVERSELLING the potential benefits. Also what they are showing is only an add and not the actual policy which is where the devil is in the details.

Not to be a naysayer but if even the NRA barely got involved in something like this and USCCA jumps in???????

Thanks for the post it certainly looks like it might have limited benefits.

[TucsonMTB]

I always worry when you have to work really hard to find the prices.

In fact, Google found lots of people questioning the value of their regular stuff but, no clear pricing. Pass . . .

[Thunder71]

I agree, if I have to sign up as a member just to find out what the pricing is other than:
$ $$ $$$ I'm not interested.

The guy is a marketing specialist, plain and simple.

[paul34]

Here is another option that has been around for a while.

http://www.armedcitizensnetwork.org/

Network membership costs $85 per year and additional household members may be added to the membership for an additional $50/yr. each. Three-year memberships are available for $225 and 10-year memberships for $650. If you are ready to join, we welcome you to do so by one of these convenient methods:

[TucsonMTB]

Currently we subscribe to Pre-Paid Legal Service, Inc. they employ a Phoenix based law firm of significant size in our area. I hesitated to mention them earlier because I am not sure if they are as well represented in other areas of the country. Thus, YMMV.

[rwblue01]

What if it is a bad shoot?
**** happens, people screw up.

The cops shot a guy with a cell phone the other day.

[knkali]

who picks your attorney?

[Diocoles]

The guy at USCCA picks the cases and reviews them.
They will only pay out if it's a justified shooting.
There are limits and it sounds like very little.
$3500 to start I believe if your case qualifies.

Most lawyers retainers are more than that.

In a justified shooting, it may come in nice, but if there's any grey areas whatsoever... good luck.

I also agree that they are just good sales people.
The forum is just like any other, but you have to pay to belong.
The information there is no different than what you find elsewhere for free.
None of the materials they sell are of any value if you have common sense and have internet access.
I was a member for a few years and no longer am.
No interest in paying for what is free. No other benefits there except what you have to pay extra for.

[Kahrson]

A prosecuting attorney may very well use the fact that you bought the insurance with a forethought of pre meditation. So if the insurance company declines to take your case in support of you because they have reservations that it's not a justifiable shooting that is not going to look good. You just dug a deep hole much deeper and you are still out the money for membership and premiums you have payed besides

To me the whole thing looks like a money grab by this USCCA group.

[Thunder71]

They decide? Pfft... definitely pass, if I'm paying I'm going to be represented.

That's like getting tried before your trial... if they don't 'accept you' why would the court decide any different.

Nice scam there.

[TheTman]

My prices are 97.05, 167.05 and 265.07 for the silver, gold, and platinum policies. Thats per year
You have to be a member as they take part of your membership money and deduct it from the premium. Most other things like this you have to be a member of some outfit or another.

[knkali]

I see you pick the attorney so that is answered

GOOD point Kahrson!

[TheTman]

Not surprisingly, they've had a lot of questions about this, here is an email I got this morning:

Good morning Thomas,

A member asked me a very important question last night:

"Self Defense SHIELD sounds great, but the devil's in the details:

Am I going to use my gun to defend myself, only to find out it doesn't help people who are in their cars when they use their gun, or even outside of their home?"

My favorite thing about Self-Defense SHIELD is that it protects us armed citizens everywhere.

As long as you legally posses your gun (the gun's not stolen and you're not a felon) Self-Defense SHIELD grants you the exact same benefits all the time.

> At home - you're protected.

> In your car - you're protected.

> In a public area - you're protected.

> In a private area - you're protected.

> In any of the 50 US states or territories... you're protected.

=> Self-Defense SHIELD is always turned on.

This answers another very important question that someone asked me:

"Tim, I always worry that I'm going to accidentally end up in some gun free zone. I hate how I can go from 'good guy' to 'criminal' just by taking one step through some invisible line. Will Self-Defense SHIELD ABANDON me if I do something like this on accident?"

Thomas, Self-Defense SHIELD understands your second amendment, not imaginary lines.

The bottom line is this:

=> Self-Defense SHIELD will NEVER
abandon you

If you have ANY other questions, they are all answered on the page above. If you still have questions, give us a call: (877) 987-7443

Stay safe,


--
Tim Schmidt
Founder
U.S. Concealed Carry



I don't want you all to get the idea that I'm promoting this or making money off of it, I just wanted to share a product that might be useful. I see it hasn't been very well received, but I wanted to answer a couple of questions and post this email, then I will drop it. - Tman

[jocko]

I carry a million dollar rider policy of excess liability on my home owners policy for $150. It will do the same thing. These people are not the underlying writers of this policy. It would mean more to me if I could review some "claims" that they had to represent for the owner of the policy.

No offense but it sounds like something that a simple rider on ur existing home owners policy will cover.