Anybody carry some form of carry "insurance"
- Thread starter gnystrom
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njr
Member
Yes I've been a member for three years. Haven't had cause to use the insurance thankfully. Seems like a good outfit. They send you educational materials like DVDs books a newsletter and provided you haven't broken the law they provide you with lawyers and expert witnesses along with the insurance fund.
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@gnystrom,
In preparing for the worst and hoping for the best, I carry insurance and then some.
Being a disabled, retired custodial parent, I have to not only look out for my legal well being, but my children's (financial) future. Predicting how the courts and may rule in a case of self defense, and not having an abundance of wealth should a court rule against me in a liability case, I subscribe to USCCA for the liability coverage and other aspects. After attending a US Law Shield seminar a few weeks ago, I joined because of the unlimited legal support extended to members in the event of charges related to a self defense scenario. I am not independently wealthy, so I see the outlay of $40 a month to be a reasonable investment in my children's and my future.
In preparing for the worst and hoping for the best, I carry insurance and then some.
Being a disabled, retired custodial parent, I have to not only look out for my legal well being, but my children's (financial) future. Predicting how the courts and may rule in a case of self defense, and not having an abundance of wealth should a court rule against me in a liability case, I subscribe to USCCA for the liability coverage and other aspects. After attending a US Law Shield seminar a few weeks ago, I joined because of the unlimited legal support extended to members in the event of charges related to a self defense scenario. I am not independently wealthy, so I see the outlay of $40 a month to be a reasonable investment in my children's and my future.
I do not have it. My kids are grown and my grandkids are not depending upon me. My wife has passed. My entire financial exposure is the value of my house and my social security and military retirement pay. Worst case scenario is I go to jail. At 75 that is not intimidating to me. Heck, I would get a roof over my head and three meals a day.
Ok I am a nut case, but I am not really worried about a bad shooting. I would never shoot unless I had clear evidence that I was in imminent danger. if I could avoid needing to draw my weapon I would do it. If I could retreat I would do it. I used up all the macho man stuff in Nam.
My advice however is to not buy until you can read the fine print. Remember they are selling you on the basis of promotional literature. You know all about your automobile policy until you get denied based upon the fine print. Been there and done that.
Also look at the limits of protection. I think it was the NRA Gold add that stated a limit of $150,000 for a criminal prosecution. Could you could pay the best lawyers and expert witnesses for that amount. Trials are expensive. What if you get a convicted and have to appeal? More $$.
The fund that offers up to half of its reserve of a million dollars sounds good, but have you read the fine print. And what,if it gets hit with three claims at one time. That Million is going to be whittled down real fast.
Now I am not trying to persuade people to not do it. I am only trying to persuade them to not succumb to the promotional pitch and get the real facts. Remember when you sign up you are agreeing to an enforceable contract. Contracts have terms and conditions. Some of those can make the advertised benefits not so compelling. Please check them out.
Ok I am a nut case, but I am not really worried about a bad shooting. I would never shoot unless I had clear evidence that I was in imminent danger. if I could avoid needing to draw my weapon I would do it. If I could retreat I would do it. I used up all the macho man stuff in Nam.
My advice however is to not buy until you can read the fine print. Remember they are selling you on the basis of promotional literature. You know all about your automobile policy until you get denied based upon the fine print. Been there and done that.
Also look at the limits of protection. I think it was the NRA Gold add that stated a limit of $150,000 for a criminal prosecution. Could you could pay the best lawyers and expert witnesses for that amount. Trials are expensive. What if you get a convicted and have to appeal? More $$.
The fund that offers up to half of its reserve of a million dollars sounds good, but have you read the fine print. And what,if it gets hit with three claims at one time. That Million is going to be whittled down real fast.
Now I am not trying to persuade people to not do it. I am only trying to persuade them to not succumb to the promotional pitch and get the real facts. Remember when you sign up you are agreeing to an enforceable contract. Contracts have terms and conditions. Some of those can make the advertised benefits not so compelling. Please check them out.
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hdwhit
Member
No.
All of the concealed carry "insurance" programs are ultimately reimbursement plans since you can't insure against the commission of a criminal act. That means the "insurance" provider comes in and unilaterally decides whether or not your shoot was "good" and they will reimburse you for your defense costs or not. If they don't think it was a "good" shoot then they bow out and you paid all your premiums for nothing.
As far as the civil suit that often follows a self-defense shooting, check your homeowners or renters insurance as many companies include an amount for civil liability and it may be sufficient. And if it isn't check with the company that wrote your homeowners or renters insurance since they may be able to add a general liability rider for a surprising low amount. I got a liability rider that explicitly states that it protects me anywhere in the world - and isn't just limited to use of a gun - for much less than any of the concealed carry policies charge.
I think about it all the time but I'm kind of judgment proof, too. No assets that I have can be reached in a civil suit (Texas is good that way), I have a million dollars of insurance in an umbrella policy for accidental this or that and if I shoot someone deliberately there is no negligence policy that will cover that. I will look at the new NRA policy. Like they say in that old movie, I will think about it tomorrow...... 
oldiesradio1560
Member
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I have U.S. Law Shield. Thankfully, haven't used it yet.
Lee in Quartzsite
Member
That's not how CCW Safe operates. I have looked at all the others, including the new NRA plan and I'll stick with CCW Safe....been a member for four years.
Quick Comparison of Service - CCW Safe National | CCW Safe Weapon Liability | CCW Safe Defense Attorneys
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Bill In Texas
Member
I'm a member of the Armed Citizen's Legal Defense Network, and have been for a couple of years. I like the features of this plan over any of the others I researched. Especially about bailing me out of jail, as well as providing money for expert testimony that most of the others don't offer.
They send out a monthly newsletter and provided a series of DVD's that are informative when you sign on. Their prices are competitive as well. I'm just a satisfied customer, not a paid spokesperson.
They send out a monthly newsletter and provided a series of DVD's that are informative when you sign on. Their prices are competitive as well. I'm just a satisfied customer, not a paid spokesperson.
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Tanners Owner
US Veteran
I'm also a member of Armed Citizens legal defense network. I live nearby, shoot IDPA matches w/ Marty Hayes, president of ACLDN. He's a good, honest man, with wealth of experience.
I feel very comfortable with this program, even though I have not needed to use it (thankfully). As was mentioned it provides a monthly newsletter, a series of DVDs with briefings from several experts.
I feel very comfortable with this program, even though I have not needed to use it (thankfully). As was mentioned it provides a monthly newsletter, a series of DVDs with briefings from several experts.
