Do You Have "Self Defense Insurance" Poll - Page 2

Do You Have "Self Defense Insurance" Poll

This is a discussion on Do You Have "Self Defense Insurance" Poll within the Concealed Carry Issues & Discussions forums, part of the Defensive Carry Discussions category; Originally Posted by SouthernBoyVA I forgot to add that I am perfectly willing to look into other possibilities and I thank you for your comments. ...

View Poll Results: Do you have Self Defense "insurance"?

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  • Yes

    34 25.56%
  • No

    99 74.44%
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Thread: Do You Have "Self Defense Insurance" Poll

  1. #16
    Ex Member Array Doogie's Avatar
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    Quote Originally Posted by SouthernBoyVA View Post
    I forgot to add that I am perfectly willing to look into other possibilities and I thank you for your comments.
    My broker even told me I was covered....my 2A attorney said no way. I called underwriting and they said nope.

  2. #17
    Ex Member Array Doogie's Avatar
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    Quote Originally Posted by SouthernBoyVA View Post
    "I refuse to live in a State where you have civil liability for self defense."

    Though Virginia does not have this, such cases are extremely rare here when the victim's actions have been found to be justifiable or excusable.
    Yeah, but I live in Cuyahoga County Ohio....nationally famous for after the fact civil litigation. You shoot a hood rat here and they pile on 100% guaranteed. Hillary Clinton got like 60%+ of the vote here.


    Note: The thing I liked about the NRA policy is that your spouse is automatically covered too.

  3. #18
    VIP Member Array SouthernBoyVA's Avatar
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    Quote Originally Posted by Doogie View Post
    Yeah, but I live in Cuyahoga County Ohio....nationally famous for after the fact civil litigation. You shoot a hood rat here and they pile on 100% guaranteed. Hillary Clinton got like 60%+ of the vote here.


    Note: The thing I liked about the NRA policy is that your spouse is automatically covered too.
    Four years ago, during a seminar on our state's laws and the use of deadly force, I asked two officials, a commonwealth's attorney and a candidate for sheriff, if they had ever experienced a perp or his family suing a victim for damages and both said "no".
    In the final seconds of your life, just before your killer is about to dispatch you to that great eternal darkness, what would you rather have in your hand? A cell phone or a gun?

    America First!

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  5. #19
    Member Array intra.active1's Avatar
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    I do not carry liability insurance to protect against legal action in the event I have to shoot someone. I also have no coverage in case I have to use my knife,tactical flashlight, or fists and feet to take an aggressor out.

    I rely upon a theory that if I am forced to defend myself I will have exercised such good judgement that I will not be criminally charged. If I am not so charged I have a substantial defense if sued in civil court. If I am criminally charged I will have much more to worry about than money damages.


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  6. #20
    Member Array Pijo73's Avatar
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    I do not carry any either.
    BUT intra. the burden of proof is much lower in a civil case (easier to get a jury to say guilty)
    I also didn't realize FL's civil lit protection, that was the main reason i was considering US lawshield
    “Always vote for principle, though you may vote alone, and you may cherish the sweetest reflection that your vote is never lost.”
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    This "information super-highway" called the internet is clogged with speculation and the truth is slow to get through.

  7. #21
    Senior Member Array Bigpoppa48's Avatar
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    Yes, been a member of the Armed Citizens' Defense Network for about four years. I have already spoke with the Defense Atty. that would be representing me here in my home state of NC should the need arise.

  8. #22
    Ex Member Array KyBill's Avatar
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    My carry piece is my self defense insurance.

    My second level is to shoot until the threat has been stopped. I will know that because it means I have no more bullets.

  9. #23
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    I also don't have lightning insurance, meteor insurance, or zombie insurance. But am considering the latter.
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    Member: Orange Gunsite Family, NRA--Life, American Legion
    "Laws are nothing more than guidelines for honest citizens to follow. Criminals care nothing for laws or their consequences, or the Police or Courts. Getting caught is nothing more to them than a minor inconvenience".--Me

  10. #24
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    I went with CCW Safe. It is a service contract rather than insurance. I believe that every CCW holder needs something. From what I've read after a shooting, the real nightmare begins for the honest citizen that defends himself.
    "Fiel pero desdichado"
    Loyal but unfortunate.

    family Motto of Winston Churchill

  11. #25
    Member Array intra.active1's Avatar
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    Quote Originally Posted by Pijo73 View Post
    I do not carry any either.
    BUT intra. the burden of proof is much lower in a civil case (easier to get a jury to say guilty)
    I also didn't realize FL's civil lit protection, that was the main reason i was considering US lawshield
    No argument from me about the fact that civil litigation is much less rigid in arriving at a guilty verdict. However, I will take my chances that no criminal prosecution will exonerate me.

    I have little to no trust in insurers. They are your best friend when you pay premiums without making claims. But file a potentially substantial claim Zander that best friend will look for ways to abandon you.

    I wonder how many claims are actually filled that might require the insurance in question. I adopted wonder what the success rate is for defending against such suits is whether you are so insured or not.

    In my 74 years in this planet I have had more companies try to sell me protection from all sorts of threats than I never realized existed. I never bought into it and I am not about to be worried into such a buy now.


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  12. #26
    Member Array illinois17's Avatar
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    Speak directly with your agent on your homeowner's/renter's policy to see if you have a reasonable force exclusion. It will only cover you for civil liability; and, that doesn not include punitive or compensatory damages. We are investigating the various pre-paid legal services available. And, as expected, the options for civilians is extraordinarily limited. We cancelled the USCCA membership when they could not provide us with proof of insurance.

  13. #27
    Member Array JaxRolo's Avatar
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    USCCA for me.
    U.S. Navy Chief Electronics Technician (EW)(Ret) 26 Years
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  14. #28
    Ex Member Array 9MMare's Avatar
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    Well just a comment on any kind of insurance in general: they are all your best friends when you sign up and promise you the world. THey are more than happy to take your $.

    But the way to actually assess the value of insurance is to see their record on how and how often they pay out.
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  15. #29
    New Member Array GenoBandino's Avatar
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    Quote Originally Posted by intra.active1 View Post
    I do not carry liability insurance to protect against legal action in the event I have to shoot someone. I also have no coverage in case I have to use my knife,tactical flashlight, or fists and feet to take an aggressor out.

    I rely upon a theory that if I am forced to defend myself I will have exercised such good judgement that I will not be criminally charged. If I am not so charged I have a substantial defense if sued in civil court. If I am criminally charged I will have much more to worry about than money damages.


    Sent from my iPhone using Tapatalk
    I was in Albuquerque on business, and watched a purse snatcher knock an old lady down face first onto the asphalt while crossing a street. I was at a red light. A cop car, and others chased on foot. When my light turned green I drove to where I thought the perp would emerge. Well, I turned out to be correct. He was running straight at me. I stood my ground and shouted ”STOP”. He looked at me, then at the cops behind him, and then kept coming. [Years earlier, I was a very capable Black Belt in Karate. That was before karate was a fad. Chuck Norris was the most prominent national champion....and I almost got to face him at the Hilton Hotel in Manhattan, but a dojo buddy of mine was better than me. He (Louis Delgado) went on to beat Chuck Norris in the finals that day. But, I wasn't chump change either! Haha.]

    Well, it only took one well timed punch, and the perp hit the ground, looked up at me, tried to get up, and I said "please don't", and he just collapsed. The police arrested him, shook my hand (against his body armor), told me that more citizens should do the same, and don't be surprised if I was sued by the perps family. The Chief of Police sent me a nice Letter of Commendation, but my wife almost killed me when I got back to PHX. I'd continued to do things like that throughout the rest of my life, but I don't claim to be very smart either. Now-a-days I'm retired from my career & from karate, but I'm a CCW holder, and I carry often. I really do need a good insurance policy!
    Quote Originally Posted by Doogie View Post
    Best check with that. If you have an "intentional injury" exclusion you are not covered. I thought I was by State Farm but not so, so I got an NRA policy. The NRA policy has an actual rider that specifically covers self defense. That said, in Ohio you are protected against civil litigation by a perpetrator or his family. Same in Florida.

    I refuse to live in a State where you have civil liability for self defense.
    Quote Originally Posted by 357and40 View Post
    I have not yet invested but having just taken BIT training through the NRA and Scouts and preparing to take a Pistol Instructor class, I will be getting a liability policy before I start teaching... It is something I have thought of for many years, but never acted on the desire...

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  16. #30
    Member Array oldpi's Avatar
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    If my agent tells me that i am covered for a shooting incident or altercation, I would ask for a letter from the agent- aside from the policy, clarifying what the policy covers and are there any exclusions, such as if i am accused of being the aggressor or if I'm carrying in a gun free area, etc. it sounds like the NRA policy might be worth examining from what I've heard on this site.

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