CCW and Liability Insurance

This is a discussion on CCW and Liability Insurance within the Concealed Carry Issues & Discussions forums, part of the Defensive Carry Discussions category; I'm sure this has been discussed before, but I don't see any recent posts so maybe we can visit this now. If this is in ...

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Thread: CCW and Liability Insurance

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    Member Array fyrguy's Avatar
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    CCW and Liability Insurance

    I'm sure this has been discussed before, but I don't see any recent posts so maybe we can visit this now. If this is in the wrong area, Moderator please move it.

    I've been carrying for a number of years and have ben lucy enough not to have to draw my weapon in a self defense situation. My thoughts are though, if I ever am placed in that position and have to defend myself, a loved one, or anyone in mortal danger I would like to have some form of insurance to protect my family from financial ruin. Does anyone else have this philosophy, and if so what company do you use? Also is the insurance affordable?

    Thanks in advance to all who reply.

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    Member Array jhogan2424's Avatar
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    I too have been considering some type of insurance but after watching the big trial going on right now I am not so sure. I can easily see how a prosecutor could spin the fact that you have insurance into some type of premeditation. He could say that you knew you were going to kill someone or you wouldn't have purchased the insurance. I dunno. I'll watch this thread.

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    VIP Member Array maxwell97's Avatar
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    As I understand it, a typical homeowner's policy will cover something like an accidental shooting of a guy you only mean to hold at gunpoint, which is why in a civil suit they sometimes argue that the shooting was unintentional when it wasn't; if you deliberately kill someone without justification they can soak you, but if you accidentally kill someone, they can soak your insurance company, which is much more lucrative.
    "Yet this government never of itself furthered any enterprise, but by the alacrity with which it got out of the way... The character inherent in the American people has done all that has been accomplished; and it would have done somewhat more, if the government had not sometimes got in its way."

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    VIP Member Array ccw9mm's Avatar
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    One option to check into (though, not so much a financial thing): Armed Citizens' Legal Defense Network.


    Quote Originally Posted by jhogan2424 View Post
    I too have been considering some type of insurance but after watching the big trial going on right now I am not so sure. I can easily see how a prosecutor could spin the fact that you have insurance into some type of premeditation. He could say that you knew you were going to kill someone or you wouldn't have purchased the insurance. I dunno. I'll watch this thread.
    No more "premeditated" than having car "crash" insurance. No more indicative of a desire to crash than having grabbed the keys that morning. No more indicative than a state having SYG or "Castle" statutes.
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    About a year ago I had the same thoughts and checked with my insurance agent. I told him I was considering getting additional liability insurance just to cover me should something happen in a self defense situation. He assured me that my homeowners would cover me in all cases...as long as I was not doing anything illegal. And, yes, it will cover legal fees. Check with your homeowner carrier before you spend money on something you might not need. good luck
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    Member Array fyrguy's Avatar
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    Quote Originally Posted by maxwell97 View Post
    As I understand it, a typical homeowner's policy will cover something like an accidental shooting of a guy you only mean to hold at gunpoint, which is why in a civil suit they sometimes argue that the shooting was unintentional when it wasn't; if you deliberately kill someone without justification they can soak you, but if you accidentally kill someone, they can soak your insurance company, which is much more lucrative.
    Just holding the guy at gunpoint may not be an option, and I wold never "deliberately" kill another human being. The problem lies in the fact if you pull a firearm to protect yourself you may end up killing that person. If you are forced to draw your weapon, then you will more than likely fire and the end result is not something you can predict. If you are being actively attacked by a knife wielding assailant, and you HAVE to shoot that person, you will still be sued. I am not to sure that homeowners will cover something such as this, but I haven't asked my agent either.

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    Member Array fyrguy's Avatar
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    Quote Originally Posted by ccw9mm View Post
    One option to check into (though, not so much a financial thing): Armed Citizens' Legal Defense Network.




    No more "premeditated" than having car "crash" insurance. No more indicative of a desire to crash than having grabbed the keys that morning. No more indicative than a state having SYG or "Castle" statutes.
    Armed Citizens' Legal Defense is a god idea, I'll look into this.
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    Member Array fyrguy's Avatar
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    Quote Originally Posted by Str8upguy View Post
    About a year ago I had the same thoughts and checked with my insurance agent. I told him I was considering getting additional liability insurance just to cover me should something happen in a self defense situation. He assured me that my homeowners would cover me in all cases...as long as I was not doing anything illegal. And, yes, it will cover legal fees. Check with your homeowner carrier before you spend money on something you might not need. good luck
    Who are you insured with?
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    Quote Originally Posted by fyrguy View Post
    Who are you insured with?
    Allstate...they have our house and the cars. The agent told me that Allstate was developing some insurance policies specifically for firearms. The way he was talking it sounded like most insurance companies were going to start offering specific types of coverage. After he assured me I didn't need any further insurance, I stopped listening. good luck
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    “Show me a young Conservative and I'll show you someone with no heart. Show me an old Liberal and I'll show you someone with no brains.” Winston Churchill

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    Quote Originally Posted by technomonster View Post
    I would be interested in seeing any results of their efforts to defend their members. I wonder if they have ever had to.

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    Distinguished Member Array technomonster's Avatar
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    Quote Originally Posted by zen1300 View Post
    I would be interested in seeing any results of their efforts to defend their members. I wonder if they have ever had to.
    same here, i have asked this very same question. but no one has any first hand experience and i cant find any "testimonials" on the various sites that offer the plan. do you have concealed carry liability insurance ?
    “Show me a young Conservative and I'll show you someone with no heart. Show me an old Liberal and I'll show you someone with no brains.” Winston Churchill

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    I believe a homeowners policy will only cover you on your property. If your downtown at a movie, restaurant, mall, they won't cover you.
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    Member Array rainmaker's Avatar
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    Armed Citizens Legal Defense Network is one of the largest and oldest. Second Call Defense (West Chester, Ohio) is newer and not as well known, but offers some other options and NRA/Lockton insurance coverage as part of membership. US Concealed Carry has insurance/etc, but ACLDN or Second Call looked like better idea. Maybe others out there. My wife and I are members of the ACLDN, but we plan to change to Second Call since they're local to us (local lawyers we know/etc). I have carried the NRA/Lockton insurance for several years. NRA/Lockton self-defense (reimbursement) insurance is about the only liability insurance of this type available.
    Steve

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    Senior Member Array Oldpsufan's Avatar
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    Why is it the BG's never even give a thought to lawsuits ? Surely there are times that their actions would dictate a victim filing a suit against them. I know you all will be quick to say that the BG's don't own anything worth suing for, but by the same token a lot of us don't either.
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