Illinois HB0687, $1,000,000 Insurance - Page 2

Illinois HB0687, $1,000,000 Insurance

This is a discussion on Illinois HB0687, $1,000,000 Insurance within the The Second Amendment & Gun Legislation Discussion forums, part of the Related Topics category; Vote 'em the hell out of office....

Page 2 of 5 FirstFirst 12345 LastLast
Results 16 to 30 of 74
  1. #16
    Member Array Spike32's Avatar
    Join Date
    Nov 2008
    Location
    SEVA
    Posts
    266
    Vote 'em the hell out of office.
    You'll rock, with a 357 Glock


  2. #17
    Senior Member Array NYcarry's Avatar
    Join Date
    May 2007
    Location
    Upstate
    Posts
    517
    How are they doing that when they are doing this, what the heck is going on?

    The Official KFVS12 and Heartland News Web Site | Conceal carry legislation one step closer to becoming law
    Springfield, IL
    Conceal carry legislation one step closer to becoming law

    Posted: Feb 19, 2009 01:54 PM

    Updated: Feb 19, 2009 01:54 PM
    Heartland News more>>

    By Heartland News

    SPRINGFIELD, IL (KFVS) - Illinois State Representative John Bradley's conceal carry legislation becomes one step closer to becoming a law.

    On Wednesday, a committee approved the bill but it still has some big steps to take.

    Illinois is one of only two states that does not allow some form of carrying a concealed firearm.

    Bradley's bill, dubbed the Family and Personal Protection Act, sets forth a strict series of qualifications for concealed carry permits, requiring training and restricting unfit applicants, primarily criminals and mental patients.

    In addition, House Bill 245 would not allow concealed firearms inside police stations, prisons, government offices, courthouses, bars, airports, schools, riverboats, amusement parks, arenas, stadiums and churches.

    To voice your support or to ask questions, call (618)-997-969

  3. #18
    Member Array DLRM's Avatar
    Join Date
    Feb 2009
    Location
    Cordova, TN
    Posts
    33
    I'm not so sure it will be easy to find a company to issue this insurance. There are companies who will issue to companies (manufacturers, ranges, etc) but to an individual who just carries?
    Are we at last brought to such humiliating and debasing degradation, that we cannot be trusted with arms for our defense? -- Patrick Henry

  4. #19
    Senior Member Array KevinDooley's Avatar
    Join Date
    Feb 2008
    Location
    Texas
    Posts
    657
    I just talked to my mom (who sells insurance) and she says that her company will only issue an umbrella policy like this if you own a home that is insured for at least $100,000 and that you carry a certain amount of liability on your auto insurance.
    Quis custodiet ipsos custodes

    The will to win is worthless if you do not have the will to prepare. -Thane Yost

  5. #20
    Member Array swaggs's Avatar
    Join Date
    Jan 2009
    Location
    Virginia
    Posts
    132
    just wow. almost clever, if it weren't $1mil. Hey, let me just think of the first absurd dollar amount that comes to my mind....
    Unfortunately, you get enough voting and all of a sudden a politician has to sponsor stupid stuff like this to please his constituents. Not that I condone politicians being stupid, but there's a bigger problem!!
    "Do your duty in all things. You cannot do more, you should never wish to do less."
    "Save in defense of my native State, with the sincere hope that my poor services may never be needed, I hope I may never be called on to draw my sword" - Gen. R. E. Lee

  6. #21
    Member Array DLRM's Avatar
    Join Date
    Feb 2009
    Location
    Cordova, TN
    Posts
    33
    Quote Originally Posted by KevinDooley View Post
    I just talked to my mom (who sells insurance) and she says that her company will only issue an umbrella policy like this if you own a home that is insured for at least $100,000 and that you carry a certain amount of liability on your auto insurance.
    That is correct. A personal umbrella policy (PUP) will extend above your liability limits on both your auto and home policies. Usually, you have to max out your limits on your home and auto before a PUP will be issued.

    However, I don't think this is what this gentleman is talking about.
    Are we at last brought to such humiliating and debasing degradation, that we cannot be trusted with arms for our defense? -- Patrick Henry

  7. #22
    VIP Member
    Array Hopyard's Avatar
    Join Date
    Jun 2006
    Location
    Disappeared
    Posts
    11,665

    Insurance

    Quote Originally Posted by KevinDooley View Post
    I just talked to my mom (who sells insurance) and she says that her company will only issue an umbrella policy like this if you own a home that is insured for at least $100,000 and that you carry a certain amount of liability on your auto insurance.
    Yes. Or, probably they would issue if you also have renter's insurance.

    Umbrella coverage on top of either is relatively inexpensive. I have mine with the same company that insures my home and cars, and adding 2 million in umbrella coverage is less than 300 a year. And well worth it if you ever have a serious auto wreck that you caused.

    I won't comment on the motive for the proposed legislation but there is some sense to it. Like it or not, we routinely hear about NDs here. If I were the unfortunate individual who caused a ND that hurt someone, I sure would hope that I could appropriately compensate the victim.

    I think the real problem with such legislation is not going to be the cost of the insurance, because it should be almost negligible--but whether or not insurance companies will start to put gun exclusions in policies that don't have them. (OTOH, the risk is so low to the insurance company that this one should be a money maker for them.)

  8. #23
    Member Array flyflyfun's Avatar
    Join Date
    Mar 2007
    Location
    N. Wisconsin
    Posts
    48
    Yup, thankfully this was discussed on the Glen Beck show on Fox today. He and an outside council from the NRA both had concluded that statements made by the head of the current administration... that "he" is not out for your guns!!! However it would assume through these type of tactics that we need to be looking in the back door.

    If you folk get a chance fire off a email of thanks to the Glen Beck show...it looks like he may be of much help in the future.

  9. #24
    Member Array micky mouse's Avatar
    Join Date
    Dec 2008
    Location
    Illinois
    Posts
    17
    First let me state I'm from Illinois and absolutley against this or any BS gun laws.
    For informational puposes only a $1M umbrella policy is not that much if you already have home and car insurance with an agent. Again, I'm not justifying it, just throwing out a little info. I have this policy, and think it's about $300-350 a year. (I'd gladly pay that for a CCW permit!)

  10. #25
    Member Array Dominus's Avatar
    Join Date
    Jan 2009
    Location
    NY
    Posts
    20
    That bill is no different then the pole taxes of old....
    870 !
    NRA Member !

  11. #26
    Member Array oldogy's Avatar
    Join Date
    Jan 2009
    Location
    East TN&OH
    Posts
    303
    IMHO, but anyone who owns anything at all or has any kind of net worth or a good job needs an umbrella policy. If you do not know why I say this I suggest you find out for your own good.
    oldogy

  12. #27
    Member Array flyflyfun's Avatar
    Join Date
    Mar 2007
    Location
    N. Wisconsin
    Posts
    48
    Quote Originally Posted by micky mouse View Post
    First let me state I'm from Illinois and absolutley against this or any BS gun laws.
    For informational puposes only a $1M umbrella policy is not that much if you already have home and car insurance with an agent. Again, I'm not justifying it, just throwing out a little info. I have this policy, and think it's about $300-350 a year. (I'd gladly pay that for a CCW permit!)
    $300 -$350 is a method for the state to inhibit gun ownership!!!!!!!???????? Trust me, this ain't about your CCW permit.

  13. #28
    VIP Member
    Array Hopyard's Avatar
    Join Date
    Jun 2006
    Location
    Disappeared
    Posts
    11,665

    Cost depends on several factors

    Quote Originally Posted by flyflyfun View Post
    $300 -$350 is a method for the state to inhibit gun ownership!!!!!!!???????? Trust me, this ain't about your CCW permit.
    Cost depends on several factors, like where you live, your driving record, credit record, whether or not you have been sued, and so on.

    Regardless, as someone else posted-- if you have any sort of net worth, or are likely to ever accumulate a net worth, you need to have an umbrella policy. Two-hundred fifty bucks for 2 million in insurance is a pretty good deal. And for that you cover more than just the guns, but crazy stuff that could happen--like your house burning and starting a fire that takes your neighbor's and their neighbor's. Or, your chimp rips your friend's face off.

  14. #29
    Senior Member Array rhinokrk's Avatar
    Join Date
    May 2007
    Location
    Salt Lake City, Utah
    Posts
    1,036
    Quote Originally Posted by micky mouse View Post
    First let me state I'm from Illinois and absolutley against this or any BS gun laws.
    For informational puposes only a $1M umbrella policy is not that much if you already have home and car insurance with an agent. Again, I'm not justifying it, just throwing out a little info. I have this policy, and think it's about $300-350 a year. (I'd gladly pay that for a CCW permit!)
    I'm Not Willing To Pay For My 2nd Amendment Rights. Your logic is flawed sir.
    Get the U.N. out of the U.S.
    Get the U.S. out of the U.N.

  15. #30
    VIP Member
    Array ccman's Avatar
    Join Date
    Jun 2007
    Location
    CT, USA
    Posts
    2,037
    Some people could not come up with a extra $300 for this. People with Familys and Colledge and all the rest.

Page 2 of 5 FirstFirst 12345 LastLast

Links

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •  

Similar Threads

  1. Ammo and Insurance
    By volfan in forum Defensive Ammunition & Ballistics
    Replies: 12
    Last Post: January 22nd, 2010, 10:00 PM
  2. Liability Insurance
    By Kahrdoor in forum Off Topic & Humor Discussion
    Replies: 0
    Last Post: January 17th, 2010, 12:11 AM
  3. Gun insurance
    By Pro2A in forum General Firearm Discussion
    Replies: 10
    Last Post: September 1st, 2009, 09:34 PM
  4. Illinois One Million $ Gun Insurance Policy
    By Bart in forum Defensive Ammunition & Ballistics
    Replies: 1
    Last Post: February 20th, 2009, 01:03 AM
  5. Insurance
    By DaveInTexas in forum General Firearm Discussion
    Replies: 4
    Last Post: November 17th, 2008, 11:31 PM

Search tags for this page

1,000,000 insurance premium to have a gun
,
concealed carry liability insurance
,

illinois if hb 0687

,
illinoishb 1263
Click on a term to search for related topics.

» Log in

User Name:

Password:

Not a member yet?
Register Now!

» DefensiveCarry Sponsors