imported post
zigziggityzoo wrote:
Honestly, for anyone involved, it'd be much cheaper to get NRA legal defense insurance.
http://www.locktonrisk.com/nrains/defense.htm
That coverage is awesome but one problem. I called and spoke to a very nice lady there. You are covered only in the act of defending yourself. There is nothing in the policy that covers you just in the event of charges arising from carrying concealed or open carry only. So it's good if you ever are forced in to an act of using your firearm in self defense but would not work for what we've discussed above.
If you want to read the legal crap its on there. I pasted the part I needed her to clarify.
B. LEGALLY POSSESSED FIREARM:
DEFENSE, SETTLEMENT,
SUPPLEMENTARY PAYMENTS.
With respect to any “act of self defense” covered under this policy, but not covered under any other valid and collectible insurance,
Underwriters shall:
(i) defend any suit against the “Individual Insured Member”
alleging such “bodily injury” or “property damage” and seeking “damages” on account thereof, even if such suit is groundless, false or fraudulent; but Underwriters shall have the right to make such investigation and negotiate a settlement of any claim or suit as may be deemed expedient
by Underwriters; (ii) pay as expenses all premiums on
bonds to release attachments for an amount not in excess of the LIMITS OF LIABILITY of this policy, all premiums on appeal bonds required in any such defended suit (but without any obligation to apply for or furnish
such bonds), all costs taxed against the “Individual Insured Member” in any such suit, and all other
expenses incurred by Underwriters including interest accruing after entry of judgment, until Underwriters have paid, tendered or deposited in court that part of such judgment as does not exceed the LIMITS OF LIABILITY for
“damages” as set forth in Insuring Agreement 7. C.;
(iii) reimburse the “Individual Insured Member” for all reasonable expenses, other than loss of earnings, incurred at Underwriter’s request in assisting Underwriters in the investigation or defense of any claim or suit.
Underwriters agree to pay the expenses incurred under Insuring Agreement 7. B. in addition to the LIMITS OF LIABILITY stated herein; and such expenses shall not be included as part of “damages” as defined in this policy.
Underwriters shall not defend the “Individual Insured Member” nor be obligated to pay for costs and expenses incurred in the defense of any criminal proceeding against the “Individual Insured Member” under Insuring Agreements
7.A. and B. Underwriter’s obligation to defend suits and pay any “damages” under Insuring Agreements 7.A.
and B. shall terminate upon the “Individual Insured Members” conviction of any criminal charge emanating from the “Individual Insured Members” use of a “firearm”.