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CCW Insurance: Is it Needed?
- Thread starter Onomea
- Start date
I have a million umbrella, and it does not cover SD.
I am interested in a policy of the sort that may get a lawyer to you in a timely manner.
Arlo, let us know what you decide. I’m still too busy learning the programming procedures for my 2 yo vette.
I am interested in a policy of the sort that may get a lawyer to you in a timely manner.
Arlo, let us know what you decide. I’m still too busy learning the programming procedures for my 2 yo vette.
Just because someone is not charged criminally does not mean they won't be sued. Evidence in a civil suit only requires a 51% preponderance of the evidence to be found liable, not the criminal evidence of beyond a reasonable doubt.
Nowadays, in many jurisdictions, a person's life is valued at about $10 million. Let's say he's a scoundrel, thief, and felon.
Do you think you won't be sued just because the dead man was a criminal?
Let's say the family sues for 2 million that's completely undeserved, but a jury feels sorry for the family and just awards 1 million.
You got a spare million laying about? Not to mention a good lawyer will charge you $100,000 or more win or lose.Plus, if they can make a Federal case out of it for certain reasons, you'll have the government against you. Who's got more money -you or the Feds?
Because you haven't heard of it doesn't mean it's not real and doesn't happen.
The battle isn't over after a self-defense shooting - it's just beginning. Ask Kyle Rittenhouse about the costs.
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As with any contract read the fine print before signing it and this contract is written by lawyers for lawyers.
I would want to know who selects the lawyer to represent me; the insurance company or me. I also want to know the limits of my coverage. Lawyers cost money, good lawyers even more and a lawyer that specializes in self-defense cases will be very expensive.
I would want to know who selects the lawyer to represent me; the insurance company or me. I also want to know the limits of my coverage. Lawyers cost money, good lawyers even more and a lawyer that specializes in self-defense cases will be very expensive.
With ACLDN you select your lawyer. Your coverage is up to one-half of the fund which is currently 4 million. That is for complete legal coverage - lawyers, experts, advisors, mock trials, etc. Any civil judgement is on you. That's the reason you need a good lawyer in both civil and criminal cases.
The best defense is a complete understanding of what constitutes a legally justified self-defense action in your state. Sad to say, the majority of those who carry haven't a clue.
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I don't know anything about it, but some questions to which I would want answers:
Do you have to use their lawyer, or can you choose your own?
When do they pay the claim?
Are you paying your defense out of pocket, then have to beg them to pay off later?
Do you have to use their lawyer, or can you choose your own?
When do they pay the claim?
Are you paying your defense out of pocket, then have to beg them to pay off later?
OP
...Arlo, let us know what you decide. I’m still too busy learning the programming procedures for my 2 yo vette.
I'm leaning toward Right To Bear: Right to Bear Review [Written by an Attorney]
I note their base price is now $15 a month/$145 year, up from $11 and $125 in June when above linked review was published.
Turns out that in some states a resident can't buy CCW insurance, although you can be covered if you bought it elsewhere and are visiting. (New York, New Jersey, and Washington.)
There’s really only one semi-successful case out there that is cited by every proponent of CCW insurance. The defendant got lucky because he got in a gun fight at a biker event with somebody he had a pre-existing beef with, and he wouldn’t have had to shoot if he hadn’t confronted the alleged victim more than once. It’s been about ten years ago. I forget which company it was, but a simple interweb search will reveal it. There are no other cases which fit that which the posters in this thread opine . . .
The information you seek is out there. You need to do your own research. Every company has their websites. Ask them questions and ask to read the pertinent documents.
It might take 8 hours of research to find out all you need to know to make an informed decision.
Many shooters spend that much time discussing the latest guns, ammo, and optics in a few days. For anyone to say they don't have time to do research for something this important is disingenuous.
I'm not fussing at you, but this needs to be your decision and not rely on what anyone tells you, including me. I'm not going to be the one in the trick bag if you are involved in a SD action.
You are.
OP
Muss, do you mean that there has only been one case in which someone who had CCW "insurance" shot someone in self defense and the insurance policy helped him financially and legally?
For me the benefit is being able to get legal representation immediately. I have had very few reasons to use a lawyer over the years and do not have one on retainer who has this expertise. With the carry insurance, I can get legal help right away should I find myself in that situation.
I mean there is only one that I am aware of, and it is the one most often cited in the zeitgeist. The forum is not letting me insert the link, which I’m sure is my issue. There are other links not associated with CCW Safe that in my opinion more accurately describe what happened. I am neither a proponent or opponent, everyone must make that decision alone. But this is a fact
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Every person on the planet should have a doctor, a lawyer and an accountant about their age who will answer a cell call at almost any time, or at least return a call in a couple hours. If you don’t, might need to reevaluate . . .
Edit: And an insurance agent . . .
Edit: And an insurance agent . . .
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True, but my intention was more to point out questions that someone who is considering it might want to investigate.
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You may have missed this in the FAQ. If you were aware, all good . . .
Attachments
Find a lawyer ahead of time. It takes a special lawyer to handle a SD action. 90% of lawyers know little to nothing about how to proceed with a SD case. An affirmative case for SD is far different that a criminal case of defending a drug dealer or robbery suspect. The lawyer who does your will and deed of trust is not who you want.You want a lawyer with SD experience.
Do your research for a lawyer like you do for a firearm.
I'm fully aware of that. I did my research. That's one of the reasons I went with ACLDN. I don't want an assigned lawyer who gets a set amount to defend me nor the lawyer who works for the cheapest.
Companies that provide their lawyers or assign lawyers tend to want to save money rather than saving my butt.
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All good. Hopefully you've noticed the FAQ's don't include a section on successful defenses . . .
At last count that I'm aware of there are over 17 and no cases have been lost. I would say that since ACLDN teaches its members about legally justified SD actions, more of its members learn to not do stupid stuff.
ACLDN also reviews every SD action before making a commitment to provide legal coverage. That keeps out the riffraff claims that are completely outside the bounds of a legally justified SD action. I agree with that as well.
That's like some auto insurance companies that don't cover those who drink, convicted felons, and any fleeing from police or using a car in the commission of a crime. Makes good sense and keeps premiums low.
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