Here's a thread with a poll about CCW insurance.
What do you guys think? And why do you think so?
What do you guys think? And why do you think so?
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CCW Insurance: Is it Needed?
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Opinions vary. Not needed until it is, and then it might be needed very badly, just like many other forms of insurance (earthquake, fire, etc.)
Far more important than those that carry believe it to be. Even with a justified self-defense action, you will incur expenses. If prosecuted you can expect a minimum of $100,000 in legal expenses. If sued, you can expect more than $100,000 in legal expenses.
At the Armed Citizens Legal Defense Network, you can have those costs covered, plus bail money, if you acted properly within the 5 elements of a legally justified SD action.
The cost? $150 a year.
Those that say it won't happen to them are correct until it does happen to them.
Read the very fine print. Not all carriers are the same. Some carriers will seek to recover the money they paid in your behalf if you're found guilty or take a plea deal. ACLDN doesn't.
Cheap way to protect your life, your assets, and your families' welfare.
At the Armed Citizens Legal Defense Network, you can have those costs covered, plus bail money, if you acted properly within the 5 elements of a legally justified SD action.
The cost? $150 a year.
Those that say it won't happen to them are correct until it does happen to them.
Read the very fine print. Not all carriers are the same. Some carriers will seek to recover the money they paid in your behalf if you're found guilty or take a plea deal. ACLDN doesn't.
Cheap way to protect your life, your assets, and your families' welfare.
Telecaster
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All insurance is a gamble until you need it. Then they never want to pay it out.
Telecaster
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In a less snarky vein, I went to ACLDN to check it out as I've been meaning to do it and I tend to trust Mas Ayoob, and the website doesn't work 
Read the fine print on the insurance VERY carefully. Many only cover you if you're acquitted. Meanwhile, you're out biiiig bucks, plus there's the delay for the "justice" system to operate. Of course, if you don't go to trial you might not get any costs covered (see "acquitted" above). You will want legal representation by an attorney skilled in use of force law while dealing with the LLEA.
OP
While I don't have CCW insurance yet, I think I am gonna do some research, compare plans, and buy one. (BTW, for reasons I forget, I think it is not actually insurance. But it is legal and financial protection.)
I think about it, off and on, and got to thinking about it again while reading the thread on "Do you worry the police will confiscate your expensive gun if you have to use it, and therefore only carry guns you can bear to part with?, " a popular, recurring topic here.
(My view, and that of some of the rest of us, is "Are you kidding me?!" If I shoot someone what happens to the gun is gonna be the least of my worries. I'll be in a world of legal and financial hurt. I remember my first CCW/handgun instructor, back in 2006, saying to us, "If you shoot someone you will likely wind up losing your house...")
I think what has kept me from buying a plan to date is the old "It will never happen to me" syndrome, and simple laziness: I don't want to spend the effort to research which is best for me. Not much of an excuse. I've got insurance coverage for just about every other possible calamity in life.
Here are some links I am going to review:
Best CCW Insurance: Protecting Yourself After You Protect Yourself [2023] | RECOIL
Best Concealed Carry Insurance [2023 + by a Lawyer!]
5 Best Concealed Carry Insurance | Get full CCW Protection
5 Best Concealed Carry Insurance Comparison 2023 - Pew Pew Tactical
Etc.
I think about it, off and on, and got to thinking about it again while reading the thread on "Do you worry the police will confiscate your expensive gun if you have to use it, and therefore only carry guns you can bear to part with?, " a popular, recurring topic here.
(My view, and that of some of the rest of us, is "Are you kidding me?!" If I shoot someone what happens to the gun is gonna be the least of my worries. I'll be in a world of legal and financial hurt. I remember my first CCW/handgun instructor, back in 2006, saying to us, "If you shoot someone you will likely wind up losing your house...")
I think what has kept me from buying a plan to date is the old "It will never happen to me" syndrome, and simple laziness: I don't want to spend the effort to research which is best for me. Not much of an excuse. I've got insurance coverage for just about every other possible calamity in life.
Here are some links I am going to review:
Best CCW Insurance: Protecting Yourself After You Protect Yourself [2023] | RECOIL
Best Concealed Carry Insurance [2023 + by a Lawyer!]
5 Best Concealed Carry Insurance | Get full CCW Protection
5 Best Concealed Carry Insurance Comparison 2023 - Pew Pew Tactical
Etc.
Only if you feel that your wallet has gotten too heavy and you need to lighten the load.
OP
I am curious as to why you believe this. Is it something about CCW insurance being unreliable, not really offering the coverage they claim to? Or, is it just that you believe coverage is unnecessary because in the unlikely event that you wind up shooting someone in self-defense, you are confident that your own resources are sufficient to see you through?
This is a sincere question. I'd really like to understand your thinking as an assist to refining my own.
If anyone else here feels the same way, that it is just a waste of money to buy CCW coverage, please jump in and explain your thinking.
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In a less snarky vein, I went to ACLDN to check it out as I've been meaning to do it and I tend to trust Mas Ayoob, and the website doesn't work
Worked for me. ACLDN
armedcitizensnetwork.org
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Like other insurances .... you don't need it until you do. Bet a lot of people in CA wish they had flood insurance about right now.
To what extent does homeowners insurance cover?
xfarfuldog
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Homeowners insurance IIRC, specifically excludes this kind of protection. I'm a former claims representative (adjuster) for three different insurance companies. HO policies cover a lot of things but are not all inclusive. If they were, your cost would be prohibitive. I believe we all need CCW insurance but am confused by all the policies I have personally read.
I have a 1 million umbrella policy in addition to my homeowners policy but it's not for protection in an SD action. The underwriters will NOT tell you if it covers a SD action because the circumstances of any SD action are wildly different.
I understand their reasoning. One person may claim SD but be so far beyond the pale they really committed murder. Another person may have done everything legally right and justified, but still not fall under my umbrella policy with SD coverage.
Depending on a homeowner's policy to protect you in an SD action is naive at best and financial and legal folly.
OP
Yeah, I agree. (No insurance background, but I am confused, too.) I'd like to read reviews by the poor guys who actually had to use their coverage and see what their thoughts are, but so far have not found anything like that.
On the other hand, I'm thinking that somebody's coverage/anybody's coverage is surely better than nobody's coverage...
I'm hoping this thread will help me make the right decision. I feel I've been putting it off too long.
OP
I have a similar umbrella policy. When I asked a guy promoting somebody's CCW insurance about this, saying I had coverage in case someone fell off my roof and sued me, say, he said that an SD shooting is different, not covered, because it is a deliberate act. He added that he was a former insurance broker.
FWIW
My Honey has USCCA. We got it for her because she loves to train and it "might" help if she needs it. We always (really) have our two bully breed dogs with us, so our rule is at least one of dogs is dead and I am face down on the ground, she then has carte blanche and she happens to shoot really well (and loves her dogs). We will have taken a bad hit before we respond, that is the best case legal liability speaking we can think of.
Ps. we plan on adding a third dog soon.
Ps. we plan on adding a third dog soon.
What I can never understand is the idea that in a justified SD shooting the shooter will automatically be in a legal fight that may bankrupt him to stay out of prison. In all of the local SD shootings that made the TV news or papers that I can recall over the last 40 yrs or so NO charges were filed.
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