Self defense insurance

[Harkrader]

"1. Any shooting occurring in any location that honors your concealed carry permit, with legally licensed firearms according to your concealed carry permit."

Note the distinction "legally licensed." Many states do not require "licensing," and this was a topic I GRILLED USAA about and insisted there be nothing like it in the policy. There isn't and they explicitly state they cover deliberate injury, such as a legally-allowed self-defense shooting.

Note the details and get the company to explicitly describe it. Details will get you.

 

[Cal44]

I went with one of the nra plans

 

[Louchia]

I went with the CCW Safe membership. I like the idea that they provide the lawyer and any investigative people necessary.( not just pay for someone you hire). They have a 24/7 phone line.
They will also provide legal services for civil claims that stem from a self defense action. ( If a round misses and breaks your neighbors Ming Dynasty vase.) They will not pay out for any judgements against you but will provide the legal assistance.
Worth a look.

 

[4896worker]

As always very good information . But are we talking about insurance for legal fees and legal representation . Or is there insurence to pay for cival damages ? Hope this is clear thanks

 

[Louchia]

CCW Safe provides the lawyers for defense. The cost for the legal services is included in your membership. If you have to pay civil damages , that's on you. You would pay on your own or need a liability policy that would pay. CCW Safe provides lawyers and any investigators needed.

 

[rwsmith]

Two things.....

First, I was offered 'pet insurance' at our vet. In short they will insure anything and everything.

Second, I wouldn't count on 'defense insurance' being there when I needed it. Better read the policy word for word because insurance companies have a 'claim denied' stamp and are more than happy to use it.

 

[SMSgt]

So I checked with my home owner's insurance and my local agent had to call the HQ to get an answer.

The answer is that they (Farmer's Insurance) do not cover liability for intentional harm done to someone. They explicitly state that the even if you hurt someone in self defense, you are not covered for liability.

Thanks for the suggestions of insurance companies too look at. I will be checking into them.

Dave

And that is exactly what the lawyer from US Law Shield said at a seminar I attended. People think home/auto insurance will cover them in a SD shooting, but unless the policy specifically covers "intentional acts" it will not cover you.

 

[RalphMP9FS]

Excellent thread! I finished a concealed carry class yesterday and insurance was mentioned. The instructors recommended the Illinois Rifle Association for coverage here in Illinois. I just called my State Farm rep, and he was clueless and will have to get back to me.

 

[Louchia]

It is a sad day when we have to buy insurance to protect ourselves from the law for defending ourselves or loved ones. Unfortunately, in today's litigious society, you are often more apt to be sued by the victim or the victim's relatives, than to serve time in jail or prison. Even if it is a good and legal shoot, there is nothing stopping someone from suing you in civil court.

Although I don't currently have this type of insurance, I have been thinking lately about buying some. I hear Texas Law Shield is one of the better ones.

In Illinois there is a law that states that if you protect yourself in self defense, you cannot be held liable for civil charges for harming or killing the individual who tried to kill or bring great bodily harm to you.
That law was cosponsored by Barcok Obama.