No, I don't think so, some places however have protections from civil suits built into their castle doctrine.
People sue everyone for everything these days. You could get into a fender bender on the way home from work and someone might sue you for whiplash.An Umbrella Policyshould definitely besomething to consider for those that haven't.Talk to your insurance agent regarding a "Personal Umbrella Policy". A PUP is designed to cover/protect the owner from situations where he becomes legally obligated to pay damages to another person through his own lawful acts.
Umbrella policies will cover the cost of legal defense on top of the specified $$$ amount of protection (million dollar policies aren't very expensive). The insurance company will retain the right to settle the case with the person suing you, but they will protect you in a civil case. Worthy of note, 99% of insurance companies will deny your claim under the Umbrella if you commit a criminal act where your claim occurs.
Regarding cost, you have to ask yourself what it's worth. The family of the perp you shot might get your house in a civil case. They might get your cars. They might get the cash you've been saving for that family trip. Do you want to pay the civil claims yourself or have a insurance company do it for you?
This is the way to do it, for sure. It's the responsible way to deal with the vagaries of civil liability exposure that gun carriers and users are always subject to.Talk to your insurance agent regarding a "Personal Umbrella Policy". A PUP is designed to cover/protect the owner from situations where he becomes legally obligated to pay damages to another person through his own lawful acts.
Umbrella policies will cover the cost of legal defense on top of the specified $$$ amount of protection (million dollar policies aren't very expensive). The insurance company will retain the right to settle the case with the person suing you, but they will protect you in a civil case.
This restriction, obviously equitable and logical, should have no impact on the gun carrying/gun using folks that our fine community represents ...since no one would ever think of doing anything illegal, unintentially or intentionally, in the use of a gun.Worthy of note, 99% of insurance companies will deny your claim under the Umbrella if you commit a criminal act where your claim occurs.
Excellent explanation, j123. It really makes undeniable sense to be insured in this manner, even in states that provide for a presumption of immunity under a castle doctrine law. Legal immunity doesn't mean one cannot be sued...Regarding cost, you have to ask yourself what it's worth. The family of the perp you shot might get your house in a civil case. They might get your cars. They might get the cash you've been saving for that family trip. Do you want to pay the civil claims yourself or have a insurance company do it for you?
thx997303 wrote:No, I don't think so, some places however have protections from civil suits built into their castle doctrine.
Castle Doctrine is not Civil Immunity. Go to Wikipedia and look them up for yourself.
As for shooter's insurance, I doubt that anybody would underwrite that no matter how many zeroes before the decimal you offered to pay. There are various prepaid legal services available. Some have been hawked about here so you might use that phrase in the search function.
IMHO shooters need replacement value property insurance that does not require submitting more than the basic info to the insurance company - such as being able to omit the last 4 digits of serial numbers, confidentiality clauses that prevent property insurers from exchanging info with health insurers and vice-versa, and prohibitions on exchanges of info with the police except in the case of a crime reported as part of the insurance claim.
If you carry a firearm for professional reasons you can ask your insurance broker about professional tort insurance. They might be able to cover you for a reasonable premium. Most folks I know that carry tort insurance have it as a rider on their homeowner's policy.
Hope this helps.
Also, welcome to OCDO. You might want to update your profile with at least the state where you are, so we know who to refer you to for stuff better handled at the local level.
stay safe.
skidmark
No, I don't think so, some places however have protections from civil suits built into their castle doctrine.
The answer is "maybe". It will depend on the specific terms of the policy.Would a personal liability policy (umbrella) apply?
Answer is maybe. Talk with your current insurance provider. An umbrella is supposed to kick in anytime you become liable to injury or loss to another person.Would a personal liability policy (umbrella) apply?