Carry Insurance/Legal Coverage?

[Yaworski]

Thoughts on coverage? I was thinking about getting USCCA coverage but I saw a video by a lawyer going through their contract with a fine toothed comb and it had some disturbing things.

The one that bothered me most is that they won't cover you if you are charged with a crime. My first thought was, "Well, that's so you won't be protected if you try to rob a store." However, the language doesn't say that. So, if you defend yourself and get charge with menacing or brandishing they can decline coverage.

So who has what and how happy are they with it?

 

[Rpg]

Insurance generally protects against loss resulting from negligent or unintentional conduct, not intentional conduct.

Criminal conduct is usually intentional, not accidental.

Most homeowners policies will cover claims related to firearms (you drop your gun, it goes off and you shoot someone: you miss your target and hit the innocent bystander in an otherwise legal shoot).

 

[johngalt]

I'm certainly no expert, but it appears to me that coverage would be denied in every circumstance except when you would be under no threat of a judgement against you anyway.

It would be interesting to know if there has actually been a case where such an insurance policy actually paid a judgement.

 

[jem102]

CCW Safe is who I use.

 

[sigp220.45]

My take:

Its all a scam. CCW classes are like time-share demos to scare you into buying this stuff.

You'd be better off with meteorite strike insurance.

You do you.

 

[Yaworski]

My take:

Its all a scam. CCW classes are like time-share demos to scare you into buying this stuff.

You'd be better off with meteorite strike insurance.

You do you.

You sound angry.

 

[sigp220.45]

You sound angry.

Not a bit.

 

[fmflorida]

My take:

Its all a scam. CCW classes are like time-share demos to scare you into buying this stuff.

You'd be better off with meteorite strike insurance.

You do you.

I agree, they are all pitched by guys who I can only assume sold used cars at one point in their past.

I will say, depending on location, this opinion changes a bit.

Here in Florida its not something I would consider, we have laws protecting people in use of force situations from civil liability if the use of force is justified.

Second, here in Florida, the chances of a justified use of force being prosecuted is slim when all the facts are in.

If you are in California or NY, it may make sense given their track record.

The issue with these policies is they are, at the end of the day, insurance by a big company whos sole purpose is to make money.

I will say this, some policies are $40 a month give or take, if you can afford it and want it, get it. I just dont think they are worth the paper.

 

[Muss Muggins]

I ask all the time when these threads surface for somebody to detail a claim experience. No takers this far, and I see nothing spectacular in the testimonials offered by the various companies. There's a couple stories here that always surface, and when reviewed critically, they're a lot of form over function . . .

 

[sigp220.45]

I saw the same thing with "professional liability" insurance when I was with the Feebs. I knew a ton of guys who paid for it for twenty years, and not a single guy who used it.

If your shoot was deemed line-of-duty, the Bu lawyers would cover you, so the private insurance didn't. If it was "outside the scope of employment" then neither would cover you, so why have it?

If it makes some folks sleep better, then it may be worth it to them.

 

[stansdds]

Question: What is the primary function of any insurance company?
Answer: To make a profit.

 

[drumminor2nd]

If you are in California or NY, it may make sense given their track record.

Illegal in New York — the state's not big on insurance to cover intentional acts… or scam insurance that doesn't actually cover anything.

 

[Execpro]

CCW Safe is who I have. They have defended a member in a criminal case
and won. If I recall the cost was around $300,000 thousand dollars at no
cost to the insured.
There are a number of post on this forum that covers this subject at great
length. Use the search tab at the top of the page to find them.
The chance that I will ever need this product are probably slim to none (I pray never) but
I sleep better at night knowing that I have it.

 

[Muss Muggins]

CCW Safe is who I have. They have defended a member in a criminal case
and won. If I recall the cost was around $300,000 thousand dollars at no
cost to the insured
. . .

The chance that I will ever need this product are probably slim to none (I pray never) but
I sleep better at night knowing that I have it.

Well, as long as you're not a member of a rival biker group with an ongoing beef with the guy you ultimately had to shoot, and you don't keep going to places you know he'll be, you should be okay . . .

 

[alwslate]

The people robbing you are the ones selling you the insurance.

 

[grover99]

I was a member of USCCA until they made you buy their insurance to be a member. I didn't like the way the insurance was written so I dropped out of USCCA. The guy who ran USCCA would have made a good used car salesman.

 

[Rolex28]

Before I made up my mind about gun insurance I consulted 2 attorneys who specialize in gun crimes. I also talked with 2 nay sayers and asked them one question, " have you ever had to fire a weapon at a human being?"

 

[Yaworski]

Before I made up my mind about gun insurance I consulted 2 attorneys who specialize in gun crimes. I also talked with 2 nay sayers and asked them one question, " have you ever had to fire a weapon at a human being?"

So, don't keep us in suspense. What did you learn?

 

[alwslate]

Here in Indiana there have been numerous reports of SD shootings over the last forty years or so that I can remember reading about. None that were ruled as actual SD have ever resulted in charges filed. One actually surprised me. A guy who worked nights was awakened around noon by the sound of his front door being kicked in. He came out of his bedroom with a .357 magnum. The perp ran back out the front door and as he did the home owner shot him in the back with the .357. The perp was lifelined barely alive. No charges.

 

[Execpro]

I have learned 2 things in 74 years that relate to this thread.
1. Never say never.
2. It will never happen to me.

Car insurance. I would never be in a car accident ( I was twice ).
Home insurance. ( damage from earth quake in ky. What were the odds? ).
Health insurance. ( creeping up on 1 million over 41 years, healthy as a horse (( 32 years)) until 1979 ).
CCW Safe. ( so far so good, but who can tell the future ).

That's the point. If you legally carry a gun, can you guarantee 100% that you will never use it in defense of your life or someone else's?
Most criminal attorneys require around $25,000 as a retainer just to take a case. Are you willing to gamble everything you have to
Pay for a criminal/civil trial and civil award? Im not!

Just Sayen !