Second call
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Concealed carry recommended insurance carrier
I know that the subject of concealed carry insurance is a topic that is often discussed but what I want to know is if you, or someone you know, has used concealed carry insurance and what are your opinions of the carrier you used. I'm not trying to get into the debate of "buy it vs don't buy it". Just looking for recommended carriers. I have listed, in the poll, the carriers I have been able to locate. If I have missed one, feel free to let me know and I will add it to the poll.
Thanks in advance for taking the poll.
Charlie
Thanks in advance for taking the poll.
Charlie
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US law Shield
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None. Waste of money.
Would you explain why you think it's a waste of money?None. Waste of money.
I don't think its so much a waste as its too narrow a subject, unless you are in a high risk profession. I personally have used a "Personal Liability policy". It was more tailored to my needs. It covered a more broad area of possibilities. It covered just about anything I could be found personably liable for. At the time I owned a plumbing business, and it covered me if I burned someone's house, If I injured someone, Or even if I had to defend myself. It's been a few years but it was about $60 a year for 1,000,000 coverage. DR
Watching this thread. This is something I've been considering and would like to hear different points of view on the subject.
I am considering it. This topic got brought up in the SD Law class I took at the NRA HQ. One of the attorneys who taught the class said he had no recommendation of brand, but what he strongly suggested is that you gather the agreements of the policies you are considering and spend a few extra bucks to have them reviewed by an independent attorney. He said some of them he has reviewed might saddle you with some divorce attorney who needs to pick up some extra work and will take what insurance pays. He also said some won't pay until later, so you have to front all the costs and get reimbursed. He also said some have an "out" if you are found to have done any wrongdoing, however slight.
People take offense at this, but if you think about it, it makes sense. Who you want right away is a good criminal defense attorney who knows the local PD and court system and can get there quickly. If the insurance has a service that you can call 24/7 who will get someone like that, that is a plus. Some people say, "I'm not a criminal, so I won't need a criminal defense attorney!" Be smart. Your first challenge is not to accidentally become a criminal, no matter how justified and righteous you believe yourself to be. All the other legal aftermath flows from that. Then, if there is a trial, you might need a specialist in SD Law. If you get sued, you might need a civil litigator.
The point is, know what the insurance will, and will not, actually do for what you're paying them. Don't depend on their marketing materials. It's the actually insurance document that counts.
People take offense at this, but if you think about it, it makes sense. Who you want right away is a good criminal defense attorney who knows the local PD and court system and can get there quickly. If the insurance has a service that you can call 24/7 who will get someone like that, that is a plus. Some people say, "I'm not a criminal, so I won't need a criminal defense attorney!" Be smart. Your first challenge is not to accidentally become a criminal, no matter how justified and righteous you believe yourself to be. All the other legal aftermath flows from that. Then, if there is a trial, you might need a specialist in SD Law. If you get sued, you might need a civil litigator.
The point is, know what the insurance will, and will not, actually do for what you're paying them. Don't depend on their marketing materials. It's the actually insurance document that counts.
CCW safe is who I ultimately decided on. ALso considered USCCA. CCW Safe has lawyers they send out where as USCCA finds one in your area. I don't know if CCW has ever had a case, but I'm banking they are chomping at the bit to have one so they can use it in their ads, They fact the Zimmerman attorney is on thieir team helps
I have a year of Texas Law Shield. Their sales people are very informative but they do a very aggressive sales pitch. When my policy is up I will shop around.
Search the forum. This has been rehashed many many times on the forum.Would you explain why you think it's a waste of money?
I went with CCW Safe since they'll provide a replacement gun until you get yours back. Very helpful if people only have one.
It's important to read all of the legalese and throughly understand it before you get anything. It's not an end-all solution.
It's important to read all of the legalese and throughly understand it before you get anything. It's not an end-all solution.
I also decided on CCW Safe. They seemed to be the best for my money. I hope I never have to find out.
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I did not vote in the poll since I am still researching this issue myself. I am very interested in all the feedback that this thread will provide, and I continue to read up on the subject as much as I can. Keep the good info coming!!
Getting CCW insurance makes as much sense as getting getting flood insurance in the desert.
I keep going back and fourth between USCCA and CCW Safe. I have also considered legal shield because it covers so much more than the defense stuff.
Thank you for the excellent poll and the great comments from everyone. I did not vote because I am trying to decide what to do although I think I would lean toward CCW Safe. I carry about 85% of the time and I am rarely in un-safe places - yes, I know evil can strike anywhere and I would do everything in my power to avoid using my firearm. If you look at the numbers the percentage of carriers, Open or Concealed that are actually involved in a SD shooting are incredibly small so do you need insurance? On the other hand $129 a year might at least give a comforting and reassured thought.
I have a $3MM umbrella policy from State Farm. It covers everything unless you are breaking the law. I have specifically asked them about self defense scenarios and they said I am covered.
I have been a member of Armed Citizen Legal Defense Network for 5 years. They send a half dozen DVD to help and a very good book that gets you to understand a legal self-defense shooting. May keep you out of jail. They also pay up front, not after.
The Armed Citizen's Legal Defense Network is NOT insurance -- it's better. There are a number of reasons it's better, but to be brief they will immediately provide a retainer for your lawyer, they will actively provide expert assistance to your lawyer to incorporate all the current best practices in the handling of your situation, and if your case is legit they also provide up-front funds to pay the costs of your defense. With INSURANCE you're on your own to figure out how to handle your situation, and to pay all costs until ultimately you're acquitted; after which they will reimburse you up to the policy limit. If you're not acquitted there's no reimbursement. This is a huge oversimplification, but highlights some of the crucial differences.
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