Results 1 to 9 of 9

Thread: Insurance -- for legal issues involved with carrying -

  1. #1
    Banned
    Join Date
    Jan 2012
    Location
    earth's crust
    Posts
    17,838

    Insurance -- for legal issues involved with carrying -

    Hi forum,

    Wondering about insurance needs for a person who carries (and I guess any gun owner) and needs to discharge their firearm and shoot someone.

    I know that my insurance policies that I have do not cover any intentional acts by the insured so any civil or criminal lawyers fees would come out of my own pocket.

    So, is there such insurance available and the costs associated with it.

  2. #2
    Regular Member
    Join Date
    Mar 2010
    Location
    Seattle, Washington, USA
    Posts
    923
    Try this. I am not a member at this time. I have heard a little about it and I think other options are out there as well.

    http://www.armedcitizensnetwork.org/
    A wise and frugal Government, which shall restrain men from injuring one another, shall leave them otherwise free to regulate their own pursuits of industry and improvement, and shall not take from the mouth of labor the bread it has earned. This is the sum of good government.- Thomas Jefferson March 4 1801

  3. #3
    Regular Member SFCRetired's Avatar
    Join Date
    Oct 2008
    Location
    Montgomery, Alabama, USA
    Posts
    1,770
    The carrier of my home owner's and auto insurance recommends an "umbrella" policy that covers all of these things. I am still exploring this and am not totally convinced this is the way to go.
    "Happiness is a warm shotgun!!"
    "I am neither a pessimist nor a cynic. I am, rather, a realist."
    "The most dangerous things I've ever encountered were a Second Lieutenant with a map and a compass and a Private who was bored and had time on his hands."

  4. #4
    Activist Member
    Join Date
    Sep 2010
    Location
    Lenexa, Kansas
    Posts
    423
    Went through the site, it seems pretty legit for people who do get involved in situations. I be tempted to sign up for this, but my line of work covers me 100% in self-defense cases.
    Nothing better than a Glock.........except maybe another Glock!

  5. #5
    Campaign Veteran skidmark's Avatar
    Join Date
    Jan 2007
    Location
    North Chesterfield VA
    Posts
    10,682
    Homeowner's insurance umbrellas for personal tort* coverage may work for you. Depending on what you are looking for and how much coverage you want to carry it could cost anything from $12/year ($5M coverage when I was employed with Dept of Corrections) to way-too-much/month. A lot depends on how the risk is described to the underwriter and how they look at the odds of you needing to be paid under a claim.

    The lagal defense policy programs do spell out what they do and do not cover, as well as when they will pay out for covered claims. It is your responsibility to read the policy and prospectus very carefully before signing on. It might not be a bad investment to have an independant review by an attorney knowledgable about both personal injury and insurance coverage. You also want to get detailed info on what they have and have not paid out under claims filed, as well as detailed info on claims they did not accept and why.

    stay safe.

    * Go look up the word. It does not mean what a lot of folks think it means.
    "He'll regret it to his dying day....if ever he lives that long."----The Quiet Man

    Because stupidity isn't a race, and everybody can win.

    "No matter how much contempt you have for the media in all this, you don't have enough"
    ----Allahpundit

  6. #6
    Campaign Veteran since9's Avatar
    Join Date
    Jan 2010
    Location
    Colorado Springs, Colorado, USA
    Posts
    6,787
    I'm covered under my policy provided I'm in my home or on the premises. Beyond that, they offer an umbrella policy to cover liability, but even with a huge deductible (like $25k), it's still very expensive.

    It's a lot cheaper for me to simply exercise a great deal of restraint until it becomes absolutely necessary to fire, and then exercise a great deal of control so that I hit what I'm aiming at and nothing else.
    The First protects the Second, and the Second protects the First. Together, they protect the rest of our Bill of Rights and our United States Constitution, and help We the People protect ourselves in the spirit of our Declaration of Independence.

  7. #7
    Campaign Veteran skidmark's Avatar
    Join Date
    Jan 2007
    Location
    North Chesterfield VA
    Posts
    10,682
    Holy moley! Erie covered me for up to 5M with a $100 deductable for about $12/month above basic homeowners What did your agent sell you?


    stay safe.
    "He'll regret it to his dying day....if ever he lives that long."----The Quiet Man

    Because stupidity isn't a race, and everybody can win.

    "No matter how much contempt you have for the media in all this, you don't have enough"
    ----Allahpundit

  8. #8
    Regular Member S&W_Guy's Avatar
    Join Date
    Jun 2012
    Location
    Kansas City
    Posts
    28
    since9, as an insurance agent, I would recommend seeking another source of insurance. I'm not licensed in Colorado, so I can't even begin to suggest where to look, but that seems excessively high.
    "This would be the best of all possible worlds, if there were no religion in it." -John Adams

    "Lighthouses are more helpful than churches." -Benjamin Franklin

  9. #9
    Regular Member Redbaron007's Avatar
    Join Date
    Sep 2011
    Location
    SW MO
    Posts
    1,637
    Homeowners and Umbrellas generally do not cover any criminal acts. However, from a civil standpoint, there could be some coverage either completely, a 'reservation of rights', which means they may provide a defense until it is deemed an excluded act, then they will stop providing coverage; or no coverage period, depending on how the suit is filed.

    Many plaintiff attorneys will sue as a negligent act, but not intentional...this way, most of the policies can potentially provide coverage.

    **Disclosure, IANAL**
    "I can live for two weeks on a good compliment."
    ~Mark Twain

Posting Permissions

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