Firearms Liability Coverage

This is a discussion on Firearms Liability Coverage within the Concealed Carry Issues & Discussions forums, part of the Defensive Carry Discussions category; Anyone have any experience with Comprehensive Firearms Liability Coverage For Holders of Concealed Carry Licenses from MMD Brokers LLC.? See: MMD Brokers LLC - Firearm ...

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Thread: Firearms Liability Coverage

  1. #1
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    Question Firearms Liability Coverage

    Anyone have any experience with Comprehensive Firearms Liability Coverage For Holders of Concealed Carry Licenses from MMD Brokers LLC.?

    See: MMD Brokers LLC - Firearm Insurance

    Anyone have thoughts on this offering?
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    VIP Member Array MitchellCT's Avatar
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    It is reimbursement, not representation.

    You still have to shell out the cash and hope for a not guilty verdict...which means in the mean time, kiss your savings, stocks, personal property and real estate GOOD BYE.

    Oh, you may get a $100k check at the end...but you first have to get their.



    I'm not saying don't do it.

    I'm saying that it's not going to defend you...

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    Senior Member Array Keltyke's Avatar
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    Your money would be better spent on a good SD lawyer and expert testimony.

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    Just other way to rip you off
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    Member Array madplmber's Avatar
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    Thought I read somewhere before that the NRA has something for this but maybe Im wrong

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    I'm bumping this thread instead of starting a new one.

    A year and a half later, any new thoughts or opinions? And how about any opinions come with some substance, don't just say it's a ripoff since that doesn't provide any insight or valid reason as to why you feel that way.

    And to Mitchell's point, the reimbursement appears to be for any criminal charges but it appears that it does cover civil actions up front, so I think it's a mixture of both reimbursement and representation, which makes sense from a liability standpoint.

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    Well, you can't insure criminal liability. Civil liability may be covered by your homeowner's policy - which will include representation that should coordinate with your criminal lawyer (assuming one was needed). If it is not, you may be able to write it in, otherwise a search for new homeowner's insurance may be in order.
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    From what I've read and my agent has confirmed, your homeowners will not cover intentional acts; and the courts have ruled that even SD acts are intentional. I'm having my agent look into additional umbrella policies that would cover such an event but without that, you will most likely not get compensation from a homeowners policy. Obviously that's the way I'd prefer to go simply because it would have a greater overall benefit, but if it won't cover that sort of action, then a specific policy might be the only way to get any financial protection for such an event.

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    VIP Member Array Eagleks's Avatar
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    Quote Originally Posted by madplmber View Post
    Thought I read somewhere before that the NRA has something for this but maybe Im wrong
    They do.... I would take a look at it, it's not cheap, but none are.
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    It's less expensive than that MMD coverage but it's a lot more limited in scope as to what/how it covers the insured.

  12. #11
    Senior Member Array bzdog's Avatar
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    I think this one is the official NRA endorsed one:

    NRA Endorsed Insurance Program Self-Defense Liability Coverage

    You can get there following the links from the NRA's site:

    Benefits of Membership

    -john

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    I've checked into MMD insurance. It will pay you up to the limits covered by your policy, IF you are not convicted of a crime. If the shooting was justified and you are found not guilty, then this coverage will kick in, after the verdict. Is it worth it? No insurance is worth it, unless you need it. Your home insurance only covers accidental discharge. Defensive discharge
    is considered an intentional act.

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    ACLDN (or is it ALCDN?)
    USCCA
    NRA
    MMD
    and some others offer an association and or insurance based type coverage.

    Knowledge of the laws and case law in your state regarding the use of force, castle doctrine, stand your ground laws, etc. are your best bet in this regard. Talk to some criminal defense lawyers in your area, find one you feel you can trust, memorize his number...
    All that said....
    It could be worse.
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    Quote Originally Posted by armado View Post
    I've checked into MMD insurance. It will pay you up to the limits covered by your policy, IF you are not convicted of a crime. If the shooting was justified and you are found not guilty, then this coverage will kick in, after the verdict. Is it worth it? No insurance is worth it, unless you need it. Your home insurance only covers accidental discharge. Defensive discharge
    is considered an intentional act.
    For criminal prosecution, that's correct. It will reimburse you after you are found not guilty. It will pay up front for any civil cases though. I have my agent looking at an umbrella policy since that should also cover civil actions. It won't do anything for criminal charges though, even if you are found not guilty.

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