I was wondering how others in this forum feel about concealed carry insurance. Must have or not?
Concealed carry insurance
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RVASaltyDog
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I was wondering how others in this forum feel about concealed carry insurance. Must have or not?
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I've got CCW Safe. It was only 179 bucks a year. I figured if I was ever involved in a shooting I would have someone to call right away, after 911. Kind of like AAA which I rarely used but have and was pleased with the service when I did need it.
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151 Posts
"CCW insurance" is misleading. It's actually self-defense insurance.
You have a right to defend yourself, but don't think you're not going to get sued or charged with a crime.
Just ask Kyle Rittenhouse about the importance of having legal support for cases of self-defense.
You have a right to defend yourself, but don't think you're not going to get sued or charged with a crime.
Just ask Kyle Rittenhouse about the importance of having legal support for cases of self-defense.
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plus you have to take into account state law that shields the shooter from any litigation if its deemed a good shoot.
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I had LDF (Legal Defense Fund) coverage when I was working LE. It was part of my union dues. Surviving an incident, only to be suddenly burdened with the worry of bearing the cost of a high-quality defense, can become a problem, to say the least.
When I retired, but continued serving as a reserve, I was offered PORAC LDF coverage which covered me both on and 'off' duty (the classification of my reserve position meant I continued to have 24/7/365 peace officer powers). It cost me out-of-pocket, though.
Once I resigned my reserve status I didn't want to be left without any legal defense coverage, so I shopped around and bought retiree coverage through my state's PORAC. That only covers the use of a firearm (and LEOSA issues), so I eventually bought another product that covers any use-of-force in self defense, to supplement my PORAC retiree coverage.
To my way of thinking, I didn't work hard during my career to risk losing it all by trying to bear the burden of a legal defense in a criminal and/or civil court case that may result from self defense.
When I retired, but continued serving as a reserve, I was offered PORAC LDF coverage which covered me both on and 'off' duty (the classification of my reserve position meant I continued to have 24/7/365 peace officer powers). It cost me out-of-pocket, though.
Once I resigned my reserve status I didn't want to be left without any legal defense coverage, so I shopped around and bought retiree coverage through my state's PORAC. That only covers the use of a firearm (and LEOSA issues), so I eventually bought another product that covers any use-of-force in self defense, to supplement my PORAC retiree coverage.
To my way of thinking, I didn't work hard during my career to risk losing it all by trying to bear the burden of a legal defense in a criminal and/or civil court case that may result from self defense.
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Portland Man Settles $400,000 Civil Suit After Self-Defense Shooting - The Truth About Guns
In many states, if you shoot someone in justified self-defense, the family of the guy you shot can still sue you in civil court. That's what happened here.
www.thetruthaboutguns.com
Virginia Man Acquitted In Philly Self-Defense Shooting In 2010 Sued By Victim; Case May Test Pa. Castle Doctrine Law - Saltz Mongeluzzi Bendesky
One year ago, Gerald Ung was acquitted of attempted murder during a jury trial at Philadelphia Common Pleas Court. The Feb. 15, 2010 verdict pleased many...
www.smbb.com
How often are self-defense shootings resulting in a civil lawsuit?
Answer (1 of 2): We do not know the answer. And please be skeptical of some of the above answers that appear to make statements that are merely made up and not based on actual data sets. data on the number of self defense shootings is spotty. Data on the percentage of those resulting in a lawsui...
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Percentage wise, higher than the percent of CC folks who fire their firearm in self defense. If you believe what you are selling, then you don't even need to carry.
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Point taken…I wonder if Kyle had this insurance?
I think the statement "better to have it and not need it, than to need it and not have it" pertains well for concealed carry insurance. For me just having the peace of mind knowing somebody will have my back (God forbid) if I am ever forced to defend myself makes it worth it. Of course that is just my opinion and you know what they say about opinions
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Be aware in states with civil shield law that if your self-defense case is not adjudicated due to the DA drops the charges instead of proceeding to trial where you are found innocent, you can still be sued in civil court.
Also take into consideration that if you are in another state during your self-defense, you are going to be under the other state's laws and not your home state laws.
EDIT:
Also be sure the self-defense insurance covers you for even non-gun related self-defense.
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You know, I've learned that a lot of the retired cops I know don't seem to give a lot of thought to acquiring some sort of (purchased) legal coverage in the event they become involved in a self defense incident in their retirement.
When I learned that one of the other retired guys with whom I smoke cigars didn't have any coverage (and he always carries a retirement weapon), I was a little surprised, since he'd been involved in a few OIS incidents during his career and understands the potential legal exposure (criminal and civil), even if he believes it's a justified self-defense incident. He finally called and got the Retired Associate Membership and LDF coverage through CA's PORAC. Okay, that covers his use of one of his retirement weapons (and any LEOSA 'misunderstandings' by some uninformed cop if he travels out-of-state).
Now I'm occasionally asking him if he's considered buying an affordable plan through a company for any self defense incident that doesn't involve his use of a firearm. He' acknowledged he really ought to acquire some coverage, just in case he ends up being sued for using his hands/feet (or anything else short of a firearm) in some unavoidable self defense incident. Baby steps.
I guess my point is that if it's not uncommon for guys and gals who spent their career in LE service, being involved in incidents that required LDF representation to not give it a lot of thought once they retire, it's certainly easy to see how the non-LE Public might not think it's something 'necessary'.
After all, look at the way a lot of people would only buy health or motor vehicle insurance if they're forced to do so (upon threat of some punitive action). People.
When I learned that one of the other retired guys with whom I smoke cigars didn't have any coverage (and he always carries a retirement weapon), I was a little surprised, since he'd been involved in a few OIS incidents during his career and understands the potential legal exposure (criminal and civil), even if he believes it's a justified self-defense incident. He finally called and got the Retired Associate Membership and LDF coverage through CA's PORAC. Okay, that covers his use of one of his retirement weapons (and any LEOSA 'misunderstandings' by some uninformed cop if he travels out-of-state).
Now I'm occasionally asking him if he's considered buying an affordable plan through a company for any self defense incident that doesn't involve his use of a firearm. He' acknowledged he really ought to acquire some coverage, just in case he ends up being sued for using his hands/feet (or anything else short of a firearm) in some unavoidable self defense incident. Baby steps.
I guess my point is that if it's not uncommon for guys and gals who spent their career in LE service, being involved in incidents that required LDF representation to not give it a lot of thought once they retire, it's certainly easy to see how the non-LE Public might not think it's something 'necessary'.
After all, look at the way a lot of people would only buy health or motor vehicle insurance if they're forced to do so (upon threat of some punitive action).
People.
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As far as I am concerned, it is part of the cost of regularly carrying. Cost with the plan I have is about $150 per year which, around my part of Texas, is about the cost of one billable hour of an attorney's time (and remember, that is any part of the hour). Plus, the company I am with advertises an attorney by your side within 2 hours of the call. They cover any self-defense situation whether or not a firearm is used and will provide legal representation for criminal and civil. Luckily, I have never needed their emergency services, but have used them a number of times to answer questions, all included, just may take them a day or two to get back to you on a question.
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Indeed. I spend more than the monthly cost of either of my plans for a single cigar, and I often enjoy a couple cigars during each visit to my club.
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I have CCW Safe. Costs me about $600 year for both me and my wife.
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