Self-Defense Liability Insurance???

Discussion in 'General Firearms Forum' started by KathySue, Oct 21, 2020.

  1. n2g

    n2g Georgia gal

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    OP, I have USCCA's basic plan. It's highly unlikely I'd ever need it, but $13/mo. isn't even one restaurant meal and I'm willing to pay it and support the organization. I also enjoy the magazine from time to time. You can use your own attorney, or they can suggest one that is affiliated (not part of USCCA, though) with them. The one on their list that is closest to where I live is the one my family member, who is also an attorney (other specialty), said she would use if she were involved in a self-defense incident whether he was on their list or not.

    Whichever you choose, if you choose one at all, be sure and read the fine print. The details vary a lot, and some might require a phone call to clarify. Some pay up front and don't require you to repay even if you lose, some will only reimburse you later and only if you win, some only cover use of a firearm, some cover every kind of self-defense, etc., etc. I haven't compared plans lately.

    Welcome to GT, btw! There are lots of knowledgeable (and interesting) folks here.





    Edit re next post (#22 below):

    I'll try to do a little better job of explaining the plan I have.

    I chose the plan with the lowest total benefit limits and the lowest monthly cost, but my benefit limits don't change because of which lawyer I use. They just limit the total amount USCCA would pay on my criminal defense bill. They don't limit my choice of lawyer, though. I can use any lawyer I want whether on their list or not.

    According to my family member, the attorney I mentioned above IS the best local attorney for self-defense cases. He has his own independent practice and anyone can use him. He just happens to also be on USCCA's list in Georgia. Even if I dropped my self-defense/USCCA coverage (which I might do as I get older), he's the local attorney I'd still want to use if I was involved in a self-defense incident.

    I'd just have to pay the whole bill myself if I didn't have any self-defense coverage at all. IIRC, I now have $50,000 for criminal defense fees, with a higher limit for civil coverage. That might or might not be enough, but I'm willing to pay $13/mo for that coverage-- for my circumstances. (Gun-friendly location, don't always carry but keep loaded guns in my home, retired with a low-risk lifestyle.) I'm not suggesting whether it's the best plan for anyone else; that's a personal decision.







    Trump/Republican 2020
     
    Last edited: Oct 21, 2020
  2. Glock-O-Rican

    Glock-O-Rican

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    Well if you need and attorney, you do not want someone who is doing the monthly thing, you want the best in the field of you can afford. Too keep you out of jail, or Prision.

    The experts in the field do not come cheap, but if your OK with cheap please read what your $13.00/month get you.

    I know there use to be these people in Truck Stops signing up Truckers for legal defense, only $25.00/mo., if they got a Commercial Ticket.

    Part of the pitch was you got a "sticker" to place on your Tractor. The pitch was this stick was known to the officer. They would not write you a ticket if they saw you had legal defense wait to fight a ticket.

    My neighbor at the time was a CHP Commercial Enforcement Specialist, he thought the sticker were a joke. He wrote ticket for weight, wrong plackards, and other stuff because the Trucker were out of compliance.

    Few if his tickets got tossed out, because he know the code better then the attorneys who tried bust up his care.
     

  3. 1L26

    1L26

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    You may all go to Hell and I will go to TEXAS!
    CCW Safe for my situation was the best pick. Retired LEO.
     
  4. syntaxerrorsix

    syntaxerrorsix Anti-Federalist CLM

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    I don't think you've done much research in this regards. $16 a month gets me this.

    • Access to our 24-hour Emergency Hotline
    • Critical Response Team onsite response
    • Bail coverage to $500K
    • Vetting of attorneys by National Trial Counsel
    • Unlimited attorney fees covered upfront
    • Unlimited investigation fees covered upfront
    • Unlimited expert witness fees covered upfront
    • All trial costs covered upfront
    • Firearm replacement during trial
    • Up to $250/day loss-of-wages during criminal or civil trial
    • Licensed counseling coverage up to 10 sessions (or $1,500)
    • Crime-scene cleanup in-home up to $3K (only if needed and other benefits or services that are standard with all plans)
    • Appeals and expungement coverage of costs.
     
  5. IowaLefty

    IowaLefty

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    Another CCW Safe member here.
     
    1L26 likes this.
  6. thwalker13

    thwalker13

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    The wife and I are planning on going with USCCA at the 1st of the year. She and I both carry concealed, and we both agreed that in today's world where the criminal becomes the victim. It's better to have it and not need it, than to need it, and not have it.
     
  7. IvanVic

    IvanVic

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    People on average get struck by lighting on a daily basis if we take the total number of strikes and compare it to the number of days per year. Do you carry lightning insurance? CCW insurance is a scam for people who either don't understand math, or let their emotions get the better of them. The odds of you using your firearm in a self-defense scenario are astronomically small, assuming you are a regular citizen. The only reason to carry a firearm in this context is because the consequences of needing it and not having it are dire - meaning you could die. The consequences of not having CCW insurance are not nearly as dire, so the analysis changes. You won't die if you don't have CCW insurance.

    Many people who carry a gun tend to drastically overstate the probability that they're actually going to use it, and this is coming from someone who carries a gun religiously and never goes anywhere without it.

    Right...you carry dive insurance because you're a diver (please tell me you're a diver and don't carry it just in case you're randomly thrown into a dive scenario). If I were a police officer and could be sued personally by every person I shot in the line of duty (which is what democrats want), it would make more sense for me to carry defense insurance because the odds of me getting into an encounter are much higher than the average person.
     
    Last edited: Oct 22, 2020
  8. syntaxerrorsix

    syntaxerrorsix Anti-Federalist CLM

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    I also carry 24/7.

    Your argument doesn't hold water. Insurance is a hedge on the possibility of something happening. Doesn't matter what that something is.

    ETA I have health insurance in case of lightning.
     
  9. thwalker13

    thwalker13

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    @IvanVic your logic is basically saying that you can either die, or lose everything afterwards. The thought of having the insurance to be able to carry on living after the event. Other wise you're probably going to lose everything you own or be in unescapable debt. Personally I'd rather pay for the insurance and have the piece of mind that it's there. Just like my life insurance or my car/motorcycle insurance.
     
  10. MD357

    MD357

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    Insurance is all about assessing risk. If you don't feel you need it.....godspeed, more power to you. That goes with any type of insurance.

    Speaking of Math....

    https://www.heritage.org/firearms/c...nse-firearms-contradicts-gun-control-rhetoric

    Now we all realize these numbers don't reflect actual shootings, however occurrences where you might have to defend yourself happen more often than some relay. Given those circumstances, things can change in a manner of seconds.

    What I find absolutely retarded is that someone is on here talking about how much they carry, and is for some reason, berating others for covering their rear financially in case they do actually use a firearm to protect themselves. Seems that if anything, YOU have more emotional input about how others protect themselves, than those simply stating what they use. To be honest, given todays DAs, even in conservative counties, I'll spend what I consider a lunch a month to protect my rear. Still don't like it? They probably make a salve for that.
     
  11. Wererat

    Wererat

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    Just because this is the latest of these threads and it made me think of the questions:
    - Is there a known case of one of the insurers covering a non-firearm defensive situation (whether 'kitchen knife' like in one ad, or just unarmed)?
    - Several of the offerings have exclusions for riots and acts of insurrection. At present quite a few people are concerned exactly because of the risk of being caught up in a riot or act of insurrection. Any case law here?
     
  12. syntaxerrorsix

    syntaxerrorsix Anti-Federalist CLM

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    CCW Safe appreciates the need for protection of all citizens practicing their legal right to self-defense guaranteed by the 2nd Amendment. In unfortunate and unforeseen instances requiring firearm self-defense or a critical use of force, our members receive the upfront financial support they require; high-quality legal counsel, including experienced advice on investigative, evidentiary and legal issues; invaluable peer support by others legally authorized to carry; and the reassurance of timely involvement by our dedicated Crisis Response Team.


    From the ToS

    In accordance with your selected plan and level of service, if you hold a valid concealed weapon permit, are qualified under LEOSA-HR218, or are qualified for a “Provisional Membership Term”, and are in legal possession of your firearm or other weapon during a Recognized Self-Defense Use of Force Incident, CCW Safe will pay all the reasonable costs to defend Covered Member against criminal charges, civil suits, including pre-indictment investigation, and administrative claims against Covered Member’s permit arising out of the use of a legal firearm or other legal weapon during Recognized Self-Defense Use of Force Incident.
    1. Any self-defense shooting occurring in any location that honors your concealed carry permit, with a legally licensed firearms according to the terms of your concealed carry permit.
    2. Any self-defense shooting occurring in any location that honors your permit(s) or license(s).
    3. Any self-defense shooting or use of force with any weapon or object or any legal firearm, even those weapons or objects outside the scope of your concealed carry permit, occurring in your “Residence Premises” during the commission of a crime against you, your family, or occupants of any place where you can legally possess a legal firearm and any self-defense shooting or use of force occurs with any weapon or object or any legal firearm, even those weapons or objects outside the scope of your concealed carry permit. A legal firearm includes any firearm that meets the applicable definition of “firearm” under state and federal laws.
    4. Any administrative action stemming from a Recognized Self-defense Use of Force Incident taken against your concealed handgun license in the state which issued your license.
    5. Criminal, administrative or civil actions brought against the Covered Member following a Recognized Self-Defense Use of Force Incident and stemming from one of the above described situations.
     
    Last edited: Oct 22, 2020
  13. Wererat

    Wererat

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    SES: That's a TOS, not case law, but thanks? (in short I was asking if the non-firearm or riot scenarios actually came to a head in a court, and if so what happened)

     
  14. syntaxerrorsix

    syntaxerrorsix Anti-Federalist CLM

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    Well the person would be covered by the plan regardless. I don't think anyone here is going to provide any specific case law. I simply gave you an answer to your questions. BTW, most here know what case law is....
     
    Last edited: Oct 22, 2020
  15. MD357

    MD357

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    Can you point to the riot exclusions?
     
  16. Wererat

    Wererat

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    Not any more? The latest USCCA revision has a footer of 08 20 and I don't find 'riot' in the exclusion section but still has:

    Sorry for any error here: USCCA just did some naming changes and may have updated this lately.
     
  17. syntaxerrorsix

    syntaxerrorsix Anti-Federalist CLM

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    We were discussing CCW Safe, which we have and I quoted.
     
  18. Glock-O-Rican

    Glock-O-Rican

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    First off law are different from state to state what is considered justifiable use of force. We live in a society that has changed.

    Remember the famous North HollyWeird B of A Robbery with the two honor students in full body armor, full auto rifles, v/s the L.A.P.D.

    The families of those two Nucklehead sued the L.A.P.D, L.A.F.D. Rescue personal, and the City of LA had to defend itself from suits brought.

    Reason the two dead bad guy when they went down were victims, and apprently were no a NOMBER ONE priority. Rescue person treat hurt Cops, and Civilians.

    Best advice is get out of dodge at all cost, because if you have to shoot, you had better justify your action, as it was me, or them. No chance to run, hide, or retreat to safe place.
     
  19. syntaxerrorsix

    syntaxerrorsix Anti-Federalist CLM

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    You should really try the "Reply" button instead of sounding like you are coming out of left field.

    Nobody knows what the hell you are rambling about.
     
  20. MD357

    MD357

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    Riot exclusions almost always pertain to property insurance not liability which is why I asked.