Liabilty Insurance in a Constitutional Carry State

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Boudiepitbull

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I'm seeing some ads that have piqued my interest from a provider called CCW Safe. This is new to me and the second provider I've ever seen offering this kind of coverage.
Curious what others think about the idea of carrying liability insurance specifically for self defense or home defense scenarios and if anyone has any experience with providers out there advertising similar types of liability coverage.
 
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Self-defense insurance (which should not even be a thing) has been discussed several times. Some think it is absolutely necessary. I think some state governments want to make it a requirement (a requirement to purchase something in order to exercise a constitutional right... doesn't seem right to me). Some think it is more of a scheme to make money for the insurance company (like there is an insurance company that is not making money for themselves?). How many justifiable shootings have been successfully defended in court by these insurance companies? How many justifiable shootings end up in court? I have questions, I think most of us have similar questions, solid answers seem to be in short supply.
 
All insurance companies are n business to make money. Any insurance is a waste of money - until you need it. Think “wind damage insurance” in a hurricane zone or “flood insurance” in a FEMA flood zone. Am I insurance poor - Yes. How much risk can you accept?
 
My concern with this type of insurance is that there are many on the left that feel it should be mandatory for anyone that carries a firearm. I personally think all insurance is a racket, but acknowledge you must have health insurance or risk financial ruin. The thought of forcing someone to have "insurance" in order to exercise a constitutionally protected right however doesn't sit well with me. The more common such insurance becomes the closer we'll be to a mandate requiring it.
 
Once insurance companies have enough people on-board, the politicians will make it mandatory for all gun owners to have it or there will be criminal penalties for those that do not.

Just like magic they have closed the gun confiscation circle for many.

Just look back at what happened with auto insurance, health insurance, homeowner's insurance... Not a forward looking confidence builder when you play into the hands of politicians - many bought and paid for by big insurance.

I believe the small print in the insurance policy will not be in your favor.
 
"Insurance" companies are the ultimate Ponzi schemes. If you think otherwise, just watch them collapse/bail out when a big hurricane or tornado creates a couple billion dollars' worth of claims.

If the family of a thug who gets shot during a home invasion wants to file a lawsuit against the victim, the victim should immediately countersue for a few million due to "emotional distress" caused by the thug's actions and the failure of the family to prevent it.
 
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gdogs said:
My concern with this type of insurance is that there are many on the left that feel it should be mandatory for anyone that carries a firearm. I personally think all insurance is a racket, but acknowledge you must have health insurance or risk financial ruin. The thought of forcing someone to have "insurance" in order to exercise a constitutionally protected right however doesn't sit well with me. The more common such insurance becomes the closer we'll be to a mandate requiring it.
Click to expand...

People on the left hate companies like CCW Safe. In fact States like New York, New Jersey, and Washington have prohibited companies like this from offering self defense insurance in their state.

Programs like CCW Safe are there to handle your legal bills if you get in a self defense situation, and protect you against civil suits. They also have a staff of lawyers who are experts in defensive force law who will aid any local attorneys who might represent you. If you get in a self defense situation you can call them and they will refer you to a local attorney. They have a hotline for members that is available 24 hours a day.

What they do not do is pay anyone who you might shoot in a legal shooting or a situation where you engage in illegal activities.

If you get into a defensive shooting and need a lawyer, your bills can run into the tens of thousands to hundreds of thousands of dollars and more.

Do you have that much money laying around?

CCW Safe's least expensive policy is $209 a year.
 
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Well I have had a policy from CCW Safe for years and will continue to do so. Not to worried about suits from the criminals side family but rather an overzealous Attorney General's office operating in the gray trying to achieve some political agenda and make a name for themselves. If I come out justified in the laws eyes my chances are that much better as I committed a denfensible action in a civil suit. I also added an umbrella policy to my homeowners a few years ago. I think the two policies come to about $350.00/year. With normal cost increases it may cost me $8 - 10,000.00 over the next 20 years to be insured. If they cover even half the cost of a $30,000.00 suit, which would be a drop in the proverbial bucket, I may not have to sell my small S&W collection to recoup my loses...
 
I agree with many of y’all and detest the whole concept of having insurance. However, I have worked very hard to achieve what meager assets I do have and don’t want a healthcare bill, traffic accident, act of god or anything else take away what I have earned and is mine! Dang it!
So, I opt to pay for any type of insurance I can to protect me. It’s kinda like being taxed to keep what you got.

Anyway, I use US Law Shield for my “self defense” firearm insurance. It costs about $150 a year and it covers your butt whether or not your justified or not in using your constitutional right to bear and use firearms.
A lawyer will empty out your checking and savings account, run up all your credit cards, and then leave you free and clear, but poor.
Regardless of guilt or innocence!
 
I use the Armed Citizen Legal Defense Network, which is not insurance. It's a fund that is used to defend It's members in case of arrest from a good shoot.. Easy to find on Google. The ACLDN will even defend a member from civil suits in some cases. I also like that Mass Ayoob is on the board. I'm not a salesperson for ACLDN just a customer.
 
I use the Armed Citizen Legal Defense Network, which is not insurance. It's a fund that is used to defend It's members in case of arrest from a good shoot.. Easy to find on Google. The ACLDN will even defend a member from civil suits in some cases. I also like that Mass Ayoob is on the board. I'm not a salesperson for ACLDN just a customer.
 
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I read the fine print on one of the popular CCW insurance policies and although I have no legal training it appeared to me that all it "insured" was your carry license/permit itself. Despite all the fantastic promises in their advertisement, and all very clever phraseology, from what I could tell they were only protecting your carry license.

Read the fine print, or better yet, get someone qualified to read the fine print for you. It would be money well spent.
 
jem102 said:
Well I have had a policy from CCW Safe for years and will continue to do so. Not to worried about suits from the criminals side family but rather an overzealous Attorney General's office operating in the gray trying to achieve some political agenda and make a name for themselves.
Click to expand...

That is exactly my major concern.
 
Problem is you can be right and cleared of criminal charges and still be sued (and LOSE) in civil court. The thug” suddenly” becomes the victim (he was just trying to make a living;he had a lousy childhood, etc) but he was a Good boy. Yea right, that’s why he broke into YOUR house��
 
SMSgt said:
"Insurance" companies are the ultimate Ponzi schemes. If you think otherwise, just watch them collapse/bail out when a big hurricane or tornado creates a couple billion dollars' worth of claims.

If the family of a thug who gets shot during a home invasion wants to file a lawsuit against the victim, the victim should immediately countersue for a few million due to "emotional distress" caused by the thug's actions and the failure of the family to prevent it.
Click to expand...

Here in Florida if a home invader (armed or otherwise) is shot inside a residence (including a hotel room), the irrebuttable legal presumption that the intruder intended to do grievous bodily harm is on the side of the resident who can neither be charged with a crime or sued by the intruder or his surviving family members.

The same applies to carjackers when you're in your vehicle.

In stand your ground or other self defense shootings, outside of the home or vehicle, if the shooting has been determined to have been legally "a good shoot" in which the use lethal force was justified , the thug or his surviving family is not able to successfully sue for damages.

Of course laws vary by state.
 
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Oldsalt66 said:
Here in Florida if a home invader (armed or otherwise) is shot inside a residence (including a hotel room), the irrebuttable legal presumption that the intruder intended to do grievous bodily harm is on the side of the resident who can neither be charged with a crime or sued by the intruder or his surviving family members.

The same applies to carjackers when you're in your vehicle.

In stand your ground or other self defense shootings, outside of the home or vehicle, if the shooting has been determined to have been legally "a good shoot" in which the use lethal force was justified , the thug or his surviving family is not able to successfully sue for damages.

Of course laws vary by state.
Click to expand...
It should be that way everywhere.
 
Bill In Texas said:
I use the Armed Citizen Legal Defense Network, which is not insurance. It's a fund that is used to defend It's members in case of arrest from a good shoot.. Easy to find on Google. The ACLDN will even defend a member from civil suits in some cases. I also like that Mass Ayoob is on the board. I'm not a salesperson for ACLDN just a customer.
Click to expand...

But what happens to you in the not unheard of event that the self defense shooting case goes to trial due to some legal grey area, technicality, overzealous prosecutor, and your otherwise "good shoot" puts you in front of a judge and possibly biased jury, and you are correctly or incorrectly found guilty, and you need to appeal?

That's when your legal costs explode and you're not covered by most, if not all of the CCW insurance policies.

Being covered just for "good shoots" is analogous to purchasing automobile insurance that only indemnifies you against damages incurred by yourself or others in instances where you're not held to be at fault and legally responsible.

Or buying health insurance that only pays for your medical expenses for doctors' visits in which, after you're examined, your physician declares you to be healthy and not in need of any further treatment.

If more folks understood the limits of this sort of insurance very little of it would be sold.
 
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