Self Defense Insurance and protecting yourself

This is a discussion on Self Defense Insurance and protecting yourself within the Concealed Carry Issues & Discussions forums, part of the Defensive Carry Discussions category; This is a repost of an article I developed for my shooters club website. There have been some questions here and there about what coverage ...

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Thread: Self Defense Insurance and protecting yourself

  1. #1
    Senior Member Array DoctorBob's Avatar
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    Self Defense Insurance and protecting yourself

    This is a repost of an article I developed for my shooters club website. There have been some questions here and there about what coverage to buy, etc. In the wake of Zimmerman and the immense cost of defending yourself AFTER an incident, I thought people might find some of this interesting.

    I can't imagine owning a house without insuring it. I can't imagine owning a car without insurance. Why would anyone even think about carrying a weapon without having liability insurance?

    Here is the article I wrote for my club's website:

    Several companies provide insurance for various purposes. You may insure your weapons in case of theft as well as provide coverage for legal fees in the case of a concealed carry "event". Some options are provided below. This is not, nor is it intended to be, an exhaustive list but may get you started with a few options.

    --------------------------------------------------------------------------------

    NRA
    $7,500 NRA Members Benefits at NO COST As an NRA Member in good standing, you're now entitled to $7,500.00 in NO COST benefits ($12,500.00 for Life Members). You cannot be turned down.

    But activation is required for this complimentary privilege.

    •$5,000.00 NO COST Accident Benefit:
    Your loved ones will receive a check for $5,000.00 ($10,000.00 for Life Members) if you fall victim to a fatal covered accident. No strings attached. No cost involved.
    •$2,500.00 NO COST ArmsCare Benefit:
    Lock in an exclusive NRA safety net for your firearms. Protects against theft … loss … or damage. Of course, no registration of your guns or serial numbers are required.
    ------------------------------------------------------
    For NRA Members ONLY
    Property & Liability Insurance

    • ArmsCare Plus Firearms Insurance – Only you know how valuable your firearms are and $2,500 of coverage may not be enough. ArmsCare Plus covers you when your homeowners policy falls short.

    • Gun Collectors Insurance – This economical plan provides coverage for your personal gun collection.

    • Excess Personal Liability – Because accidents do happen no matter how careful you are

    • Firearms Instructor Liability – Liability & Professional Liability available for coverage when you are teaching others.

    • Self-Defense Coverage – Provides liability coverage including civil and criminal defense when you’re involved in an act of self-defense.

    • Retired Law Enforcement Officer Self-Defense Insurance – Discounted self-defense coverage designed specifically for retired and off-duty law enforcement officers. NEW!

    • Gun Show Liability Insurance – Gun show promoters are now able to protect their assets.
    ___________________________________

    NRA Self defense insurance
    NRA Endorsed Insurance Program Self-Defense Liability Coverage

    This is a less than fully comprehensive excess liability insurance plan with coverage limits up to $250,000 Combined single limit with a $50,000 sub-limit for criminal defense reimbursement. The plan covers both criminal and civil defense. But , read the plan information carefully. It may only provide reimbursement in some cases and you will have to front some money yourself. Reimbursement for criminal defense is contingent upon dismissal or acquittal of the criminal charges.

    Read the certificate of insurance VERY carefully. http://www.locktonrisk.com/nrains/fo..._Insurance.pdf

    This is a true insurance policy but has some significant limits regarding coverage. Remember that it is excess liability coverage which means that other policies/coverage you have may have to pay first and in criminal cases, you must pay for your own defense and be reimbursed only if you win.



    Self Defense Insurance

    here is a brief listing of organizations that may provide help and/or support in the event of a problem which involves $ liability.

    Keep in mind that if you are involved in a self defense event, you will come under scrutiny of the gendarmes and may/should require the assistance of an attorney versed in Self Defense law. The involvement may be civil, criminal or both.

    These several programs provide different degrees and areas of coverage. You are well advised to consider all of them rather than just one. Being involved in a self defense situation is probably less likely than getting hit by a bus while crossing the street, but it can be just as devastating! It means you WILL require legal representation and you may be subject to considerable costs in defending yourself from the legal system (which has, effectively, unlimited resources compared to you). Having done lots of expert witness work in my career, I can tell you that there is no such thing as a fair trial – from the defendant’s perspective – only better attorneys and witnesses.
    ___________________________________
    ACLDN – The Armed Citizens Self Defense Network.

    ACLDN provides comprehensive education regarding self defense. They send you videos with your initial membership, have a network of attorneys and expert witnesses who will evaluate your case and provide expert advice and testimony if required. The will make an initial fee deposit of up to $5000 to a network attorney to provide representation during questioning. DO NOT PROVIDE OTHER THAN ESSENTIAL DETAILS TO ANYONE PRIOR TO BEING REPRESENTED.

    Network members are also eligible for additional grants of financial assistance.

    ACLDN has a monthly journal detailing many aspects of self defense as well as other benefits.

    Please review the information on their website. I think this is a VERY inexpensive way of obtaining information and help of exactly the type you may need. Join the Armed Citizens

    Cost is $85 per year and $650 for 10 years.
    ____________________________________

    CHLPP – Concealed Handgun Licensee Protection Plan - CHLPP is a legal services membership organization for concealed handgun licence/permit holders

    “A CHLPP member is covered for any exposure of the member's weapon in any use of force in a self-defense incident in any state that recognizes a CHLPP member's Concealed Handgun license”

    “CHLPP will retain an experienced qualified local criminal defense attorney where you were arrested. The attorney CHLPP retains will pursue the member's case until there is a dismissal, no-bill by a Grand Jury (in those states which have a Grand Jury system), and the return of all your seized firearm(s) and related property. With CHLPP there are NO deductibles, co-pays, or limits. CHLPP members pay nothing out of their own pockets.”

    CHLPP does not cover civil liability expenses. This is an important distinction. This is not exactly an insurance plan and may not have to provide state insurance commissions with the information required by true insurance programs. I do not know how reliable the plan may be nor is there an easily confirmed track record of defenses.

    Cost is $129 per year with a discount for multiple year memberships. Read their website carefully and do a Google search for additional information
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    One last point. If someone should ask you WHY you buy SD insurance e.g. "Are you planning on shooting someone?" Your answer might be, " I always hoped that I would never ever have to use a weapon to defend myself or my family. But if I did I wanted to be prepared for unwarranted and malicious prosecution or the agony of civil action by someone looking to line their pockets."
    Rhcmlc, slugger6 and LenS like this.
    'Guerir quelquefois, soulager souvent, consoler toujours.'

    "Socialism never took root in America because the poor see themselves not as an exploited proletariat but as temporarily embarrassed millionaires." (John Steinbeck)

    Good health actually just means dying at the slowest possible rate.

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  3. #2
    VIP Member Array rammerjammer's Avatar
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    This topic has come up before.

    I won't trust a sheister insurance company to support me in my greatest time of need after a defensive shooting.

    They will find a way to get out of supporting you.
    PatAz likes this.
    "Was there no end to the conspiracy of irrational prejudice against Red Ryder and his peacemaker?"

    Revolvers, “more elegant weapons for a more civilized age.”

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    VIP Member Array oakchas's Avatar
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    You fail to mention several other options, which I won't enumerate.

    That said, there is no excuse for not knowing your own state's laws regarding liability and knowing when you are allowed to shoot in self defense.

    In two recent cases, Jay Rodney Lewis in Des Moines, IA and in the Zimmerman case in FL, both were able to get more than needed, monetarily, for their defense, plus some. They received this money in the form of donations, Jay, through the NRA, Z through his own web appeal.

    Since most insurance will not reimburse you if you lose, you're probably just as well off to rely on the kindness of strangers.
    Rats!
    It could be worse!
    I suppose

  5. #4
    Senior Member Array DoctorBob's Avatar
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    Quote Originally Posted by oakchas View Post
    You fail to mention several other options, which I won't enumerate.

    ...
    Since most insurance will not reimburse you if you lose, you're probably just as well off to rely on the kindness of strangers.
    True in part, the post was not meant to be all inclusive.

    I did not mention USCCA. I looked at them and they are a lot like the NRA coverage. My problem with USCAA is the interminable amount of spam you get from them and the fact that they take so much time telling you what you already know. I suspect the guy who runs it majored in 'marketing.'

    Liability insurance COVERS you WHEN YOU LOSE. That's what it's for; like hurricane insurance or collision insurance. It covers your losses.

    What you need in a SD event is 1) help paying your bills for the defense against CRIMINAL charges and/or 2) coverage for CIVIL liability. The two are VERY different.

    There is a somewhat distressing attitude that seems to suggest that if you are 'in the right' in you own opinion, you aren't going to worry about anyone else's opinion - like the Police, the courts, etc.
    'Guerir quelquefois, soulager souvent, consoler toujours.'

    "Socialism never took root in America because the poor see themselves not as an exploited proletariat but as temporarily embarrassed millionaires." (John Steinbeck)

    Good health actually just means dying at the slowest possible rate.

  6. #5
    Senior Member Array Dennis1209's Avatar
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    Good post, thanks.

    I had CHL for a year and dropped it, reason being, the odds and to save money. You're more likely to have an auto accident, house burn down, etc., than have to use a handgun in self defense. But yea, if you can afford it, the more insurance the better, provided they pay.

    I've heard good things about ACLDN and if I get coverage again, it will be with them.

    You mentioned USCCA... I won't share my experience but, you were very gentle on them.
    I think, therefore I am...

    <the Menace>

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    Distinguished Member Array kelcarry's Avatar
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    Quote Originally Posted by oakchas View Post
    You fail to mention several other options, which I won't enumerate.

    That said, there is no excuse for not knowing your own state's laws regarding liability and knowing when you are allowed to shoot in self defense.
    Right on!!! If you know what your state laws are all about you know what imminent threat of death or great bodily injury are all about and in many (hopefully all) states, a good shoot in the right kind of state will get you a medal from the prosecutor and voids any civil liabilities from the momma or the granny or the auntie who will tell you how her sleezebucket relative "was a good boy". Need for insurance that is questionable and minimal at best?----Not in SC.

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