Liability insurance for self defense shootings

[Longitude Zero]

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.

Fortunately in my home state of OK that would get you an automatic mistrial. DA's are forbidden by rule of even mentioning potential insurance in a criminal proceeding. It is just as off limits as mentioning a defendants prior history prior to an actual conviction. Past criminal history cna only be used in the penalty phase.

[knkali]

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.

Jocko, I asked my ins rep this question and the questions to me were: "did you intentionally shoot the man?" If yes, then it is not a covered event.
"Did you shoot someone by accident?" Might be covered.

[paul34]

I'll admit, I'm instantly skeptical once I hear it is from USCCA. They've always seemed to be way overpriced for what they are, even for their membership.

[O'Dell]

I've been carrying a 2 million umbrella liability policy for several years. That way I can carry the minimum liability coverage on my cars, house, rental properties, and of course, it would cover any liability involving my guns. Maybe I should raise the limits.

[knkali]

guys, please chk your ins carrier to see if your liability coverage will cover the shooting of an invader in your home or an incident where you shoot someone in self defense. I was told it will not. However, if you drop your gun and it goes off and hurts someone or causes property damage, you could be covered.

Any ins people here?

[O'Dell]

guys, please chk your ins carrier to see if your liability coverage will cover the shooting of an invader in your home or an incident where you shoot someone in self defense. I was told it will not. However, if you drop your gun and it goes off and hurts someone or causes property damage, you could be covered.

Any ins people here?

Yes, mine does.

[knkali]

please pm me your carrier's name. I might be switching to them.

[TheTman]

Someone posted they only cover up to a certain amount, and what if you have to pay a million dollars to the scumbags family. I see this as being no different then having an auto accident and killing someone (much more likely than a self defense shooting) and being sued for millions of dollars. How many of us have auto insurance to cover a multimillion dollar claim? If you're like me you carry what you can afford and hope for the best.

Jocko, this is a brand new deal so I don't think there are any claims to review. They do say they helped a guy traveling by air with a handgun escape being charged with a felony over some kind of screw up with his luggage or something. Anyway he was in possesion of a handgun in NYC, through no fault of his own and they tried to crucify the guy and the USCCA helped him out.

Does the USCCA have a bad rep for ripping people off or something? I know they've sent me a couple of investement deals I ignored. But this deal sounded like something that could come in handy, so thought I'd pass it on. I sure hope I didn't offend you all. My apologies if I did.

[Bawanna]

I'm with you thetmanski, I just buy what I can afford and hope for the best. Insurance to me has always been a major rip off in all regards. Your covered for everything except on wednesdays between 8 and 4 unless it's raining. Oh your 15 year old dog died, that voided the coverage for your new dog since the premium is raised and we weren't notified. Created by a bunch of bottom feeders who feed on themselves and each other and get the government to subsidize them by making it required.
Here in Washington its a law to have insurance on your car. 550 dollar fine if you dont have it. Most still don't have it. Usually the ones that run into people I know. They don't get me too often I'm too wicked quick.

Far as self defense insurance I figure I'm gonna be crucified. I don't even know a criminal defense lawyer let alone carry the phone number for one around in my wallet for every town I visit like Ayoob suggest.

All the more reason to use restraint and not pull the pistol till theres no other options.

I'm far more concerned about getting my firearms insured against O'Dell, I mean theft or fire etc. I keep meaning to find out if they are or not and get a add on if necessary. If they got took I believe that would break my heart.

[TheTman]

I just googled "insurance for self defense shootings" and there are a lot of options available. The NRA does endorse one company. And many others offer insurance. The armed citizen network mentioned earlier sounds like a good one. I just never gave it much thought until I got the email from the USCCA and that got me to thinking "what if..." I'm trying to check with my insurer to see if I'm already covered, probably not.

[O'Dell]

I'm far more concerned about getting my firearms insured against O'Dell, I mean theft or fire etc. I keep meaning to find out if they are or not and get a add on if necessary. If they got took I believe that would break my heart.[/QUOTE]



Hey Bawanna, you don't have to insure your guns against me. I promise I won't drive 2500 miles from Atlanta to Washington State to steal or set fire to your guns.

Seriously, I can vouch for ArmsCare, the company that underwrites the NRA insurance. I filed a claim after my HO insurance paid their reduced amount, and they came through fairly and promptly. I'm buying a $10,000 policy from them for the future, which means I'll probably never need it.

[jocko]

I guess until one gets sued, you really don't know what kind of liability coverage u really have either. Iam sure u can ask an insurance agent a question like this gun stuff and get a totally off the wall answer that would not hold up in any court be it pro or con even.

Becuase u shoot an in truder in ur hom etc, does not mean ur gonna get sued, let alone loose, We tend to worry about some things that no kind of money, insuracne coverage can cover. IOhave no issues with this USCCA I used to take their magazine but for me it was way way to much for such little gained for me. If u feel better with their insurance over what u can probalby get from ur local agent, the indeed go with it, for again 99.995% will never have to use it to see if it is worth a sh-t or not.

My motorcycle insuracne covers 3K in riding apparrel. When I got into that wreck last Sept. my glasses were destroyed and they determined that they were my normal "seeing" glasses so they would not cover them. So I guess I need to by what they might call riding glasses for 3 to 400 bucks in order for them to cover. Makes no sense, so don't be illussioned by some of this insurance stuff, U can ask them all the questions u want, doesn't mean a damn thing down the road if needed. ANY INSURANCE company will look for some escape clause if there is one for them to pursue. Car, home, u name it, they are all the same. Most companies right everything..

If your liabili ty policy does not specifically say it will not cover any gun related incidents then they are going tohave a hard trime IMO walking away form liability if u are proven to be at fault. Remember u have t obe at fault and I would certainly think if an intruder comes into your home the courts are gonna side with u and again I seriously doubt if that case would ever make it top any civil court to.

[Bawanna]

I'm far more concerned about getting my firearms insured against O'Dell, I mean theft or fire etc. I keep meaning to find out if they are or not and get a add on if necessary. If they got took I believe that would break my heart.

Hey Bawanna, you don't have to insure your guns against me. I promise I won't drive 2500 miles from Atlanta to Washington State to steal or set fire to your guns.

Seriously, I can vouch for ArmsCare, the company that underwrites the NRA insurance. I filed a claim after my HO insurance paid their reduced amount, and they came through fairly and promptly. I'm buying a $10,000 policy from them for the future, which means I'll probably never need it.[/QUOTE]

Thats usually the case with me, you'll never have a flat tire when you have a spare and the tools to change it. $10,000 wouldn't go very far with your toy box would it. Not nearly enough to replace them all.
I better check them out now that this has come up. I know you get a minimal amount just for being a member, have to pay extra for larger amounts.

If you ever do drive the 2500 miles let me know, I'll spring for dinner, the least I can do. Bring the Boxer, never rode in one before. Might make sure the top goes up, it rains sometimes here, don't want to mess up your hair ya know?

[O'Dell]

Hey Bawanna, you don't have to insure your guns against me. I promise I won't drive 2500 miles from Atlanta to Washington State to steal or set fire to your guns.

Seriously, I can vouch for ArmsCare, the company that underwrites the NRA insurance. I filed a claim after my HO insurance paid their reduced amount, and they came through fairly and promptly. I'm buying a $10,000 policy from them for the future, which means I'll probably never need it.

Thats usually the case with me, you'll never have a flat tire when you have a spare and the tools to change it. $10,000 wouldn't go very far with your toy box would it. Not nearly enough to replace them all.
I better check them out now that this has come up. I know you get a minimal amount just for being a member, have to pay extra for larger amounts.

If you ever do drive the 2500 miles let me know, I'll spring for dinner, the least I can do. Bring the Boxer, never rode in one before. Might make sure the top goes up, it rains sometimes here, don't want to mess up your hair ya know?[/QUOTE]

Well that's $10,000 + the $2500 through the NRA + $3000 from my HO's - yeah, I think that would cover it.

I promise I'd drive the Boxter - You didn't think I'd drive that far in a Prius or on a CBR 600 did you?

[Bawanna]

Thats usually the case with me, you'll never have a flat tire when you have a spare and the tools to change it. $10,000 wouldn't go very far with your toy box would it. Not nearly enough to replace them all.
I better check them out now that this has come up. I know you get a minimal amount just for being a member, have to pay extra for larger amounts.

If you ever do drive the 2500 miles let me know, I'll spring for dinner, the least I can do. Bring the Boxer, never rode in one before. Might make sure the top goes up, it rains sometimes here, don't want to mess up your hair ya know?

Well that's $10,000 + the $2500 through the NRA + $3000 from my HO's - yeah, I think that would cover it.

I promise I'd drive the Boxter - You didn't think I'd drive that far in a Prius or on a CBR 600 did you?[/QUOTE]

If arson is your plan I'll supply the gas and compustibles, not take up so much room on the way out. If theft is your goal you might want to get a U Haul. So it's Boxter? not boxer. I want to make sure I got the terminology right in case I'm trying to dazzle anyone with my car knowlege ya know?