Carry/self defense insurance?

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Gman686

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Do you guys have insurance God forbid something happens? If so, what company would you recommend?
 
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I agree with the others... do your own research and decide what is best for you. Dump1567 provided some great links. It's probably irrelevant but, as for me and my needs, I landed on USCCA.
 
Personally I think its a scam.

Every CCW class around here is just an infomercial for this stuff.

I’ve investigated plenty of shootings, many of which weren’t charged due to a claim (many very iffy) of self defense. I have never been called as a witness in a civil suit.

I think the “YOU WILL BE SUED” line is bunk.

If it makes you feel better, have at it.
 
sigp220.45 said:
Personally I think its a scam.

Every CCW class around here is just an infomercial for this stuff.

I’ve investigated plenty of shootings, many of which weren’t charged due to a claim (many very iffy) of self defense. I have never been called as a witness in a civil suit.

I think the “YOU WILL BE SUED” line is bunk.

If it makes you feel better, have at it.
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Couldn't families sue via civil suit?

Thanks everyone for the links
 
I have insurance. I talked with or listened to 4 attorneys who specialize in shooting cases and all agreed insurance was a good idea. None of them had any affiliation with any insurance company.
 
Can the fact that you had insurance for this type of event in the first place work against you?
Sort of like the "10mm hypersonic hollow-point mankiller bullets"?
 
Personally, I don't. Yeah, I might need it someday, but I really cannot afford the added expense of paying an annual fee for something that I may never even need.
Furthermore, on the occasions that I attempted to look into the matter, then benefits were confusing and it just didn't feel reassuring.
Besides, my experience with insurance companies has been less than reassuring, and in a world in which insurance in so many forms is mandatory, (Health Insurance, Home-Owners Insurance, Car Insurance, etc...) I'd rather not enroll in additional insurance policies for things which are unlikely to happen if I'm careful.

I know that a lot of folks swear by it, and more power to you if you're enrolled in such an insurance plan, but I don't have the money and even if I did, I just don't want to pay the additional expense for coverage.
 
I have car insurance, home owners insurance, medical insurance, etc.

This really isn't about the Civil action that may follow, this is about bail money to get out of jail & legal representation if the DA files criminal charges.

If "Politics" gets involved in your legitimate SD shooting, there's a good chance you could face criminal charges so the DA can appease the "Public Outcry". It's happening everyday now with Law Enforcement.

We now live in "Clown World", were common sense takes a back seat to Social Justice. Is it worth your $500 a year for SD insurance to not loose everything? Or spend 1 more day in jail awaiting a Prelim or Jury Trial? Only you can decide.
 
sigp220.45 said:
Personally I think its a scam.

Every CCW class around here is just an infomercial for this stuff.

I’ve investigated plenty of shootings, many of which weren’t charged due to a claim (many very iffy) of self defense. I have never been called as a witness in a civil suit.

I think the “YOU WILL BE SUED” line is bunk.

If it makes you feel better, have at it.
Click to expand...

You do realize that such "insurance" covers criminal defense too?
 
Dump1567 said:
I have car insurance, home owners insurance, medical insurance, etc.

This really isn't about the Civil action that may follow, this is about bail money to get out of jail & legal representation if the DA files criminal charges.

If "Politics" gets involved in your legitimate SD shooting, there's a good chance you could face criminal charges so the DA can appease the "Public Outcry". It's happening everyday now with Law Enforcement.

We now live in "Clown World", were common sense takes a back seat to Social Justice. Is it worth your $500 a year for SD insurance to not loose everything? Or spend 1 more day in jail awaiting a Prelim or Jury Trial? Only you can decide.
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Bingo! Exactly the point.
 
Dump1567 said:
And that's why I went with CCW Safe. They seem to have a high Bail amount payout.

If your counting on an OR release, it just might not happen. Get ready to try and come up with $25K to 100K for the bondsman. All while sitting in jail over a good shoot.
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I've been on their HR218 plan since it was introduced. Has the coverages I want...and I've been a member of other plans and have done my due diligence.
 
You are correct!

Gman686 said:
Couldn't families sue via civil suit?

Thanks everyone for the links
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I too am reluctant to dive into any of the exalted companies. IIRC, none of them cover civil suits.

This is a major sticking point for all sides of the gun control debate. Let's just say there's a big push for all gun owners to be insured...which company will take the lead, insuring their customers against civil liability?
 
686-380 said:
I too am reluctant to dive into any of the exalted companies. IIRC, none of them cover civil suits.

This is a major sticking point for all sides of the gun control debate. Let's just say there's a big push for all gun owners to be insured...which company will take the lead, insuring their customers against civil liability?
Click to expand...

This, just from CCW Safes main page:

UP TO $1,000,000 COVERAGE
FOR CIVIL LIABILITY (PRIMARY MEMBER)
Click to expand...

The links I posted above has already done the research.
 
Texas Law Shield, which I'm pretty sure is now part of US Law Shield, seems a good idea and I lay out the annual membership for my wife and me. Not really "insurance" but a guarantee of legal help from experienced attorneys if one is ever unfortunate enough to be involved in a defensive incident. I carry their contact info right behind my CHL in my wallet.

I knew a man in a large Midwestern city that defended his family years ago from a home invasion. Perpetrator was DRT and though my acquaintance was no-billed he ended up having to move quietly to another city far away to get away from the threats to his, and his family's well-being from the "friends" of the perpetrator. What he went through made a civil wrongful death lawsuit look downright civilized. Don't think there's insurance against that.
 
Lee in Quartzsite said:
My annual dues have never increased from the day I enrolled in CCW Safe. Here is a link to Stephen Maddox and his stroy.
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I did some interweb keyboard commando work to find some mainstream news reporting on this instead of the propaganda links. The most interesting comment I found was a quote from the founders, who stated that the Maddox case was the first (and probably only, I couldn’t find another) case that CCW Safe has participated in completely, from arrest to verdict. That may explain the cost containment . . .
 
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My wife and I have US Law Shield.

Can't imagine living in this anti-gun Fascists state without the insurance.
 
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