Carry Insurance in New York?

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oldrdawg

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[FONT=&quot]I don’t know if this is the correct place to post this but . . . I am a big fan of insurance in the event one has to use your firearm -- but I live in New York. New York has banned insurance coverage for the use of one’s firearm, the political motivation for which need not be addressed here. (Don’t get me started.) I have been insured by 3 different companies over the last 3 years and sooner or later the companies (including the NRA) stop offering coverage in New York. I am about to be told by the third company that they will not renew me because I live in New York (and they can now only insure LEOs in New York, which I am not). Does anyone have a workaround on this? Are there companies that provide coverage or a “non-insurance” product in New York and I just can’t find them? Thanks for any help or insight. (No, moving is not currently an option.)[/FONT][FONT=&quot]
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I have CCW SAFE. It is not an insurance company as far as I know it’s a service.
Look them up on Goggle. Give them a call.

Be SAFE and Shoot Often!
 
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CCW Safe is only available to law enforcement in NYS and even then only covers them when carrying out of state under LEOSA. (Except NJ and Washington, no coverage there either).

I’ve looked before and was unable to find a company that offered a plan in NYS.
 
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In the insurance world the state regulates which insurance companies can sell insurance and what types of insurance they are allowed to sell .
Insurance is heavily regulated at the state level .
You might be able to get a policy ...but the fine print will get you ...the company isn't going to pay-off in New York ...and you are the one left hanging . No legal " work arounds" .
New York stacks the deck in favor of the criminals and nothing will change unless the leaders and law makers change .
Sad but Sorry situation ,
Gary
 
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I don't think it's as comprehensive a plan as your seeking, but I think a standard homeowners, renters, or personal umbrella will cover liability from an accidental discharge, but not damages related to intentional violence.

Sent from my Moto G (5) Plus using Tapatalk
 
Technically, companies like US Law Shield (what I use), ACLDN, CCW Safe, etc., are not insurance companies. They're prepaid legal service providers. But if NYS won't allow them to operate, and if the companies themselves won't operate in NYS, the distinction won't matter much.

You could try looking for a prepaid legal service provider that is not specifically for firearms/self defense purposes, but include that as something they'd cover, and operates in NYS. Gotta check the fine print and ask questions before you subscribe.

You could also see about getting an experienced self defense lawyer on retainer, but that'll cost money that you have to pay, both upfront and if the time comes you need them. But it may be better than trying to find an attorney in the immediate aftermath of a self defense encounter.
 
all prepaid firearms legal services have been ruled as insurance companies by attorney general , state banking + insurance commission , + courts several years ago here + in other states IIRC -
 
schutzen-jager said:
all prepaid firearms legal services have been ruled as insurance companies by attorney general , state banking + insurance commission , + courts several years ago here + in other states IIRC -
Click to expand...

That figures. That's how to regulate them out of existence for gun owners.

Insurance never exists for the deliberate use of a firearm. Assuming nobody here is a violent felon/murderer, which I think is a very safe assumption, insurance usually covers accidental use of a weapon. Negligent discharge kills the farmer's champion bull kind of thing. "Accidental discharge" blows a hole in your roof. You run and fall and your gun goes off (okay, that's extreme but go with me on this) and the bullet hits someone across the street. I think all of those instances and many more can be covered by homeowner's insurance and, more especially, an umbrella policy (I never carry less a million dollar umbrella policy - have had it many decades).

Deliberate use of your firearm for any reason requires prepaid legal services or you hire your own lawyer if someone is making a claim for assault or mental distress from brandishing or wrongful death or murder after a successful self defense act.
 
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