Carry "Insurance" Yes or No

[9mmPatriot]

USCCA
Hope I never need it.

 

[steelslaver]

If I am involved in a shooting in Montana, I will need a lawyer who has passed the Montana bar, no ifs or ands about that. I bet a dollar to a hole in a doughnut the insurance company will farm it out to an Montana attorney who will accept the companies set fee rate. As there are not that many shooting here you would get your basic bottom tier defense attorney. We also have very good "stand your ground" type laws here and most of the people likely to end up on a jury support those laws. I will keep my mouth firmly shut let my wife handle it

 

[reccpd101]

I am licensed to practice law from the local courthouse to the US Supreme Court. I carry USCCA. old saying: "Man who represents himself has a fool for a client & a lawyer." As the client, I can override any of my lawyers decisions if I think he/she is making a bonehead move.

 

[Dvan34]

Displaying a Firearm?

I am also with Colt SAA

I know a couple friends, some are attorneys, who've bought CCW insurance, it's their $$. For me it's all about statistical probabilities; we all roll the dice and take our chances.

Depending on where you live, I think most would be better served buying lightning strike insurance, cuz your odds of getting hit by lightning is much greater than popping a bad guy. Not to say it can't happen, but I made it through a 30 year law enforcement career, carry off duty almost every day since I was 18, worked for the Bureau of International Narcotics and Law Enforcement in Iraq and Afghanistan and, fortunately, still haven't had to pull the trigger; I've pointed a gun at many bad guys, but never had to squeeze one off. YMMV

Huuuuuuuuum! Just displaying a firearm can get you charged in some instances.

 

[Lee in Quartzsite]

In your State yes, here in Arizona we have legal "Defensive Display". We also can legally carry a loaded handgun in the car as well as carry concealed without a permit.

When I moved from California 20 years ago I soon learned what a breath of fresh air it was living in a State that wasn't so restricted and domineering. I will never set foot in California ever again.

 

[jem102]

CCW Safe dual membership for myself and the queen.

 

[Rustyt1953]

To the OP, in my time here I have watched members bounce this ball back and forth.

My takeaway? If the premiums aren't a financial imposition to you then buy carry insurance. If it brings you peace of mind then you win.

 

[sigp220.45]

Are these just pre-paid legal plans, or actual insurance that pays the judgement against you?

I can afford bail or a lawyer.

 

[blues7]

Are these just pre-paid legal plans, or actual insurance that pays the judgement against you?

I can afford bail or a lawyer.

This is the plan I have:

The CCW Safe HR218 plan was developed specifically for active, retired and former law enforcement officers who meet the requirements for the Law Enforcement Officers Safety Act (LEOSA), also known as HR218. (See the full list of requirements below.) Membership in this plan includes our challenge coin and membership card.

Covered under the HR218 plan is any criminal, civil or administrative legal action stemming from a self-defense incident. (Important: This relates to OFF-DUTY incidents only.) This plan is non-transferrable. Security or other secondary jobs are not protected under this plan. Eligibility under LEOSA is contingent upon submission of proof of retirement or appropriate former agency identification to [email protected].

The Primary member will be protected under the HR218 plan for any legal use of force responses to life-threatening attacks at home, inside their vehicle, at any place where it is legal to carry a concealed weapon in public (including locations applicable under HR218 or where permits are honored), or on premises where firearm possession is not illegal (all legal weapons covered).

The CCW Safe HR218 plan ensures coverage of all legal fees upfront with no limits or caps; bond coverage up to $1 million; and additional, dedicated $1 million civil liability coverage for the Primary member only.

A spouse and all children under the age of 18 years, living in the residence of the primary member and not legally prohibited from possessing a firearm, are protected under the plan at no additional cost for incidents occurring within the residence only, in all states except NJ, NY, and WA. Family members are covered to a $250,000 bond level.

 

[CH4]

Huuuuuuuuum! Just displaying a firearm can get you charged in some instances.

It was always while on duty, never as a retiree. Sorry for the not being more clear.

 

[CH4]

If we're going with statistical probabilities, I guess we should have gone unarmed on our warrant service, arrests and entries.

Like you, I went through a career pointing weapons at bad guys hundreds of times and never had to put any down...though came close a few times. (This includes five years or so on SRT.)

I like knowing that if I do have to face trial, I won't leave the missus destitute if it all goes sideways.

I don't drive without car insurance, I have my home and property insured, I have health insurance. This is just another layer of protection.

Worth it? I think so. I don't know why this topic is so polarizing to some folks. I certainly don't advocate anyone getting something they don't think they need.

(Not pointing the finger at you as one of those who gets hysterical over the subject.)

We're talking non-law enforcement CCW liability, we're indemnified while actively working in a law enforcement roll, I am talking about my rational for not carrying insurance based on my personal experiences. YMMV

 

[mtgianni]

I think they make a lot of sense for the insurer. So few people are involved in a draw your weapon incident in their lifetime. Factor in the times you shoot and might be liable, the return has to be financially good.

 

[9mmPatriot]

It's no different than any other insurance when you stop and think about it.

I don't plan on getting in a car accident but I certainly want to be protected if I do, so I have car insurance

I don't plan on getting sick but I want to be able to get the medical help I may need, so I have health insurance.


No matter what, it's about the risks you are willing to take. There is no right or wrong choice, there's just your assessment of potential damages to your well-being.

 

[CouchPotato]

I use USCCA

They allow me to pick any attorney and they cover lawful usage of any weapon, not just a firearm.