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Do you have firearm carry insurance?

  • Yes

    Votes: 5 15.6%
  • No

    Votes: 19 59.4%
  • Seriously considering it

    Votes: 5 15.6%
  • Not worth the effort

    Votes: 4 12.5%
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Discussion Starter #1 (Edited)
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Discussion Starter #2
Poll . . .
 

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what? Like an extra magazine or a back up gun?
no, my gun IS my insurance policy.
 

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Not yet, but keep considering it. Pretty sure that my umbrella liability policy might have severe leaks if something serious happened along these lines.
 

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I am covered by two things - homeowners insurance covers my guns, and my family attorney covers me. In the event I'm involved in a shooting situation, the first call is to 911, and my statement is, "I've been involved in a shooting, I was in fear for my life." My second call is to my attorney, and my statement to her is "I've been involved in a shooting, I was in fear for my life. What do you want me to do?" Then when Law Enforcement shows up, my statement is "I was in fear for my life, my attorney is on the way." End of statements. I think my personal attorney can represent me much better than a "factory" attorney who does not know me. I do have liability insurance which covers me under most circumstances including the use of a firearm. Redundancy is expensive.
 

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For self-defense insurance I use USCCA (www.usconcealedcarry.com), and I highly recommend it. It may be a little more expensive than others, but I think their service is well worth it. They offer three levels of insurance: Gold, Platinum, and Elite. In addition, all three plans include Critical Response Team assistance 24/7/365, Attorney reference and coordination, Psychological support/counseling, and subscription to Concealed Carry Magazine. Their website has lots of other reference material, training videos, and links to additional training material. The magazine is outstanding, and once you're a member you can download any of their past issues for free. Here are the plans:

Gold — Which provides $600,000 self-defense protection: $5,000/50,000 for bail bond funding, $100,000 for criminal defense protection and attorney retainer, $500,000 for civil suit defense and damages, and $350/day compensation while in court. Cost: $247/yr.

Platinum— Which provides $1,150,000 self-defense protection: $25,000/250,000 for bail bond funding, $150,000 for criminal defense protection and attorney retainer, $1,000,000 for civil suit defense and damages, and $500/day compensation while in court. Cost: $347/yr.


Elite— Which provides $2,250,000 self-defense protection: $50,000/500,000 for bail bond funding, $250,000 for criminal defense protection and attorney retainer, $2,000,000 for civil suit defenseand damages, and $750/day compensation while in court. Cost: $497/year

Ihave
the Platinum plan. For me, the critical item was the civil suitdefense/damages funding. Lots of other insurance plans provide forcriminal defense, but for civil lawsuits you're on your own. With ourlitigious society, lawsuits are all too common, and this insurancecovers both legal fees AND any damages awarded!



If I only have one phone call, it's going to be to the USCCA Critical Response Team. A call to them, anytime day or night, will get the ball rolling. They will arrange bail and contact your attorney. Don't have an attorney? They have a list of attorneys in your area that are experienced in self-defense law.


Also, don't rely on your homeowner's insurance, even if they say they cover you for self-defense. Usually they will only pay for attorney fees AFTER you are found Not Guilty. You have to pay all expenses up-front, and then try to get reimbursed after the verdict is in. And if you are found guilty of anything (murder, manslaughter, negligence, etc.), you may get nothing, even though it was your lawyer that convinced you to accept a lesser charge. The rules are different for each state, and each insurance company.

Many times whether you are found guilty or not guilty depends on:
1. Do you have a lawyer?
2. Is he a good lawyer?
3. Is he experienced in self-defense law?
4. Do you have the resources to hire a private investigator to searchout details?
5. Do you have the resources to bring in "Expert witnesses" to testify on your behalf?
6. Do you have the resources to search firearm and self-defense case law throughout the country to use in your defense?
7. Do you have the resources to search firearms data that would aid in your defense?

These things are crucial, and an organization like USCCA can provide them.
And no, I am not a company spokesman; just a happy customer.



Every year since it began in 2004, the USCCA has set up a booth at the NRA convention. But in 2017, two weeks before the convention, the USCCA was "dis-invited", and not allowed to set up a booth. Why? The NRA realized that the self-defense insurance business is a money-maker. They came out with their own self-defense insurance, “Carry Guard”, and didn't want any competition at the convention. How crappy is that?
Where's Carry Guard now? It's gone!


My advice: Go with the USCCA. Check out their website; I think you'll like it.
Another self-defense insurance you might check out is CCW Safe. This insurance is endorsed by attorney Andrew Branca, who wrote the book "The Law of Self Defense".

Whatever you choose, I recommend you get self-defense insurance.
 

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Rubbing elbows with some rich folks on this forum. When you factor in the bail costs as well as the cost to "successfully" litigate a criminal trial (~250-500K) let alone the typical civial trial that tags along, I cannot afford not to have CCW coverage. I also couldn't afford plans that reimburse post trial, needed one that provides the resources from the start. https://ccwsafe.com/

Annual and monthly choices for subscribing.
 

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Did you close the poll? I was going to vote "Seriously considering it" but it appears I can't vote in this poll for some reason....
 

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Man, can you imagine all this stupid crap, back during the Old West days? :p

Yeah..if they thought it was a bad shoot...they just strung you up...:eek:
 

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Discussion Starter #14
Did you close the poll? I was going to vote "Seriously considering it" but it appears I can't vote in this poll for some reason....
I didn’t close it but most polls automatically extend only 30 days then auto shut down unless edited otherwise and I didn’t edit it.
 

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Concealed Carry Insurance

Does anyone here currently carry ccw insurance? If so , which one? Pros, cons. Suggestions. I've been looking at this for awhile now and I think I have it narrowed down.
 

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Texas Law Shield (affiliate of US Law Shield) for a year and a half.
No issues - but thankful I haven't needed to use it.
Cost for basic coverage seems reasonable at less than $150 per year.
 
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