New to DC, Liability Question
This is a discussion on New to DC, Liability Question within the Concealed Carry Issues & Discussions forums, part of the Defensive Carry Discussions category; hey there. new to dc, and just now working on ccl in michigan. so far this site has been incredibly helpful. I do have one ...
January 11th, 2008 11:54 PM
New to DC, Liability Question
hey there. new to dc, and just now working on ccl in michigan. so far this site has been incredibly helpful. I do have one question. Does anyone have any info regarding liability insurance for conceal carry. Does homeowners cover you in case of an incident. NRA? Just curious. Thinking about the civil liability side of the issue. thx, joe
January 12th, 2008 12:00 AM
Welcome to the forum, and I would say that the personal liability portion of your homeowners would likely be available to help you.
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January 12th, 2008 09:08 AM
Many insurance companies offer "umbrella coverage" that adds a million bucks to your liability limits. Intended for personal coverage, slip-and-falls and the like, they'll ask if you engage in risky practices - I couldn't get coverage earlier, because of a smithy: if I sold ANYTHING from it, as that would make my property a business venture in their eyes. Not sure I would volunteer much (concealed is concealed), though you would certainly need to answer their questions accurately to prevent denial of claims later. Call your company and see what they can do for you.
And thanks for the reminder - I'll be doing the same.
January 12th, 2008 09:19 AM
I know some companies were offering such coverage for LE. Also , read up on MI's Castle Doctrine. I believe , if you are found not guilty criminally, it protects you civilly(not positive on this).
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January 12th, 2008 11:01 AM
not sure about the insurance part,but welcome to the forum
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January 12th, 2008 11:26 AM
Supposedly true, but not tested in the courts yet. Also, the NRA has coverage specifically for self defense.
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January 12th, 2008 07:24 PM
Welcome, and Michigan's Castle Doctrine probably won't ever be Court tested due to the thought that went into the law. Most if not all home owner's policies cover accidents, not intentional acts such as self defense shootings. And yes, I have consulted my attorney.
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