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DO YOU HAVE IT?

  • YES

    Votes: 6 27.3%
  • NO

    Votes: 16 72.7%

SELF DEFENSE INSURANCE?

10K views 101 replies 22 participants last post by  cec2 
#1 ·
As I am studying and preparing to go take my CCH class and to get my CCH I came across an ad for insurance for self defense. Anyone have it? Is it worth it? Whats a fair price?
 
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#4 ·
That depends, I think. Following the law will keep you clear of the criminal prosecution, but not civil suits. I'm not sure if the insurance covers this, but that is what I would be most concerned with. You can be totally justified, but still lose a civil case and have to pay for attorneys as well as any judgements against you.
 
#5 ·
If you shoot someone in self defense and no charges are filled and have been found to be within your rights to do so and the family of the person you shot try's to sue you. Then you file a counter suit for bringing a frivolous law suit.
If you were right in what you did you will not lose.
To many people hear "Law Suit" and freak out. That's a shame because you have the same rights as those that are trying to sue you.
When you prove what you did was well within your rights then your counter suit will cover all legal fees (And then some).
If you shoot someone when you should not have shot them then you should be sued.
I do not understand why people are so scared of this if you did nothing wrong (And could not back out or leave) you will win.
And one more thing.
If you HAVE to shot someone You had better be WELL within your rights to do so.
But If you want to spend your money on useless insurance then that is up to you.
The odds of you ever shooting someone are VERY slim. Just ask if anybody here has shot someone (Outside of the military).
I think maybe all should be reading about there rights (And your states laws) and when it is ok to defend yourself with a gun instead of reading insurance policy's.
Mike
 
#6 ·
Membership in the US Concealed Carry Association includes insurance to defend you in court should you be charged with anything. I'm a member for the magazine and information they provide, but the insurance is a nice fringe benefit.
 
#10 ·
https://www.usconcealedcarry.com/offers/5890b0827386f/join-the-uscca-today?tID=58aaead4700eb

This is the exact one I was looking at. I agree that if you are within your rights you SHOULDN'T have anything to worry about. But we all know how crooked the system is. And lawyers aren't free regardless. There are upfront costs. This would cover the up front costs as well as if you were to be detained they will most your bail. It seems like a decent policy and good for peace of mind.
 
#82 · (Edited)
I followed this link:
(The sales videos here are food for thought at a minimum.)

to get to the mice type for the USCCA plans here:

https://d3rmvquxnxa9wt.cloudfront.net/pdf/guides/USCCA_MemberResourceGuide.pdf

I can't make heads or tails of some of it in on the final few pages. Maybe an insurance person here can clarify for the rest of us.

USCCA's FAQ: https://www.usconcealedcarry.com/faq/

Here's a link to more info on the NRA Carry Guard plans:

https://www.nracarryguard.com/
and
https://www.nracarryguard.com/help/faq/

Interestingly, this info does say that these plans provide some emergency assistance, which seems to contradict the comparison chart above in this thread.

In comparing USCCA's sales video with Carry Guard's FAQ, though, it still "appears" (??) that USCCA might offer better initial support--having a case manager and having an attorney contact you, vs. connecting you with someone who gives you the contact info for an attorney.

I didn't take a whole lot of time, but I didn't see a link to the official mice type for the NRA plans. They should be available somewhere.

If someone has already posted the Carry Guard link, I apologize. I've read the thread yesterday but didn't go back through all of it to reread all the posts just now.
 
#13 ·
Depends on the State where you live. In Florida, the current law put the burden on the shooter to prove self defense. The Legislature is debating some changes to stand your ground, but right now you have to prove that you were in defense of your life, or the life of another to avoid charges
 
#15 ·
This is something I have thought about myself, though never researched the subject. There seems to be an increasing need for this due to frivolous lawsuits, and more crime. Great question, jsjj388... Keep the answers coming, folks.
 
#17 ·
This reminds me of a friend years ago. I ask him who he had car insurance with. He told me he was insured with the hit and run insurance co. He said since he had no insurance if he hit someone he had to run. I would guess the same thing would apply to shooting someone. :):):)
 
#20 ·
Great discussion. I think I wouldnt hesitate if I lived in a state that wasnt gun friendly. NC is prettty friendly but I might still get it
 
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#21 ·
I've thought of doing it but as of yet haven't gotten it. It does serve a point, but it's one of those robbing Peter to pay Paul kind of deals.
 
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#24 ·
After seeing my autistic brother in law get railroaded by the court system, my faith is not very high in the court system. Our rights are being eroded away day by day, law by law. A few hundred a year isnt much compared to a few hundred thousand out of the blue.....
 
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#29 · (Edited)
Yes, I have it and it gives me piece of mind. Following state laws to the letter may not keep you from being charged or sued in civil court and I can't afford a lawyer.
This. For $12 a month, USCCA lets me sleep at night. I never carried it until I reached a certain amount of personal wealth...then I started thinking what would happen if the worst case scenario occured?
I call it "Risk Mitigation Insurance"

They will also call expert witnesses in the case of a shooting at no charge.

I've been told NOT to use my own reloads for defensive purposes. Buy store bought ammo and leave those self defense magazines loaded with store-bought when ya carry.

There are lawyers out there that make a living making YOU into a nutcase who reloads and "just waiting to kill someone" in a self defense scenario.
 
#38 ·
Even if yo win in the long haul, there are still a lot of costs involved in defending yourself. Lawyer fees, bail, time off work, civil suit costs, the list goes on. This insurance covers you for all of this, as well as it offers counseling after the shooting. Because I dont know about yall, but the fact that I am prepared to defend myself and my family at all costs and by any means nessicarry doesnt mean it will be easy to kill someone, and then sleep in quite possibly the same room you had to kill them in.
 
#39 ·
The kind of person you end up defending yourself from is pretty likely to have slimeball relatives. Justified will not matter to them one bit. They will only be concerned with two things, your assets and finding a shyster to make those assets theirs. Until the laws are changed to have something to discourage this practice it will continue. It's not should I, it's can I and as long as there is no risk they will roll the dice and drag you into court. That is the reality of the situation.
 
#41 · (Edited)
But there are always risks on there side for filing a frivolous law suit.
And do you know a lawyer that takes a case like this can be sued by you?.
And loose his license to practice.
This is exactly what I am talking about. These people have us so scared that we will settle out of court.
SOOOOO Wrong. Fight it and win.
I would like to see the insurance records of how many times they had to go to court and how many times they won or lost.
Mike
 
#43 ·
Goofy, on a serious note, since I did trudge it up.

And I know it's not a great example.. but.

George Zimmerman was involved in a shooting.

it WAS eventually ruled as self defense.

He owes 2.5M$ in legal fees for defense.

That's real money, for a not guilty verdict.

Yes.. he did things that made his defense cost more. but.. it's still an example of a valid self defense that financially ruined someone.
 
#45 · (Edited)
He shot a man who was not armed and he got involved in something he could have walked away from and he did not wait for the cops who were on there way. He did so many things wrong he is lucky to not have gone to jail for a long time. I could go on and on about what he did wrong. As I said BAD example.
Mike



Remember this one? A working mom from PA was arrested after being pulled over in NJ while she was on her way to her sons BD party. (The freeway she took briefly went into NJ)
She was facing 5 years in prison for having a legally registered handgun. She finally received a pardon from Gov Christie, however the NRA sent lawyers to defend her and she went through pure hell for a couple of years facing prison time.
http://www.philly.com/philly/news/n...rdons_Phila__mom_snagged_by_N_J__gun_law.html

Does anyone remember the aftermath of Hurricane Katrina? Hundreds of legally armed citizens had their guns taken illegally. What did they do wrong? Some of them were arrested as well.

PA man charged with crime for stopping a robbery
http://www.guns.com/2012/08/15/pennsylvania-man-charged-reckless-endangerment/

I could go on and on.
So could I.
I thought we were talking about defending yourself from eminent danger.
The woman got busted for traveling across the state line with out proper permit.
She did not shoot anyone. This is not insurance for breaking the law.
The man in PA drove up to some one who was breaking the law who was not threating him and drew a weapon (He did not call the cops) he took the law into his own hands and tried to be a hero. Again he did not shoot and was himself in no danger intill HE decided to do a cops job.
This insurance will not help you here either.

COME ON GUYS THIS IS A POST ABOUT NEEDING INSURANCE IF YOU NEED TO DEFEND YOURSELF FROM EMINENT DANGER.
I am sure this insurance will not help you for being stupid.

Please try to use examples of those that did what they had to do. And used a gun when it was absolutely necessary.
You are going off subject and your examples are not good.
I am talking about when you kill someone that has threatened you and you are in a kill or be killed situation. Remember if there is a way for you to not shoot like running or calling the cops you can be charged.
Keep looking I am sure there is at lest one time someone killed someone in self defense.
That FORCE was necessary. AND LEAGLE. Then they were sued for doing what they had to do.
Or maybe not.
Mike
 
#46 ·
Goofy, you are assuming this is a perfect world and that all people involved are honest and friendly towards you and your rights or just being argumentative.

You can be fully justified but the cops not be able to find the proper evidence to show it and be charged. You could be fully justified but some prosecutor doesnt think you should be able to use firearms and you could be charged. You could be fully justified, but not articulate everything in your statements and you could be charged. You could be justified but somebody interprets the law a little different and you could be charged. You are going to have to bail out and/or pay lawyer fees whether you are ultimately right or not. Then you have the civil suits by scumbags, a counter suit is not going to get you anything. They dont have anything and are just looking for a free meal, most likely. You are going to have to foot the bill for a lot of costs, even if just up front for criminal as well as civil. If you dont have it, you are also going to have to find your own lawyers who have experience in the field, adding to the stress.

In a perfect world, no, you shouldnt need it, but you wouldnt have to defend your life from another human being either.
 
#47 ·
Goofy, you are assuming this is a perfect world and that all people involved are honest and friendly towards you and your rights or just being argumentative.

You can be fully justified but the cops not be able to find the proper evidence to show it and be charged. You could be fully justified but some prosecutor doesnt think you should be able to use firearms and you could be charged. You could be fully justified, but not articulate everything in your statements and you could be charged. You could be justified but somebody interprets the law a little different and you could be charged. You are going to have to bail out and/or pay lawyer fees whether you are ultimately right or not. Then you have the civil suits by scumbags, a counter suit is not going to get you anything. They dont have anything and are just looking for a free meal, most likely. You are going to have to foot the bill for a lot of costs, even if just up front for criminal as well as civil. If you dont have it, you are also going to have to find your own lawyers who have experience in the field, adding to the stress.

In a perfect world, no, you shouldnt need it, but you wouldnt have to defend your life from another human being either.
Your last statement is so true.
But I disagree with your other words.
Mike
 
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