$$$$$ DEFENSE COSTS $$$$$


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cannibal4
June 28, 2006, 08:22 PM
Just wondering, if there was an insurance policy available to concealed handgun owners that would pay for your defense cost, if you were to pop a cap on some one, and the premiums were reasonable would there be an interest?

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Preacherman
June 28, 2006, 10:10 PM
If you have a decent liability insurance policy, covering firearm-related incidents (most of them should cover any incident, kind of an "all-risks" coverage), then if you're sued, the insurance company should pony up (in theory, anyway) for legal costs. However, many of them prefer to settle out of court, because they can avoid many legal costs that way.

cannibal4
June 28, 2006, 10:23 PM
Most policies exclude intentional acts. A shooting would be intentional.

Preacherman
June 28, 2006, 10:25 PM
A defensive shooting, by definition, isn't intentional. Of course, if you're planning to go out and off someone, that's different . . .

Lennyjoe
June 28, 2006, 10:28 PM
http://www.locktonrisk.com/nrains/selfdefense.asp

Erich
June 29, 2006, 10:22 AM
if you were to pop a cap on some one

May I suggest you reconsider your language when trying to sound like a law-abiding citizen who would only shoot in clear self-defense?

Stiletto Null
June 29, 2006, 10:27 AM
(psst...I think he was being facetious)

bosshoff
June 29, 2006, 10:32 AM
I am of the same mind as Erich. This is The High Road.

pcf
June 29, 2006, 11:26 AM
There's better and less expensive coverage, than the NRA policy.

The NRA policy provides reimbursement for legal expensives if you are aquitted or charges are dropped. You're still going to have to pay out of pocket, and try to get your money back later.

I never could get a straight answer from them, when I asked if they provided coverage if I was sued for wrongful death.

You can get better coverage from your homowners or renters policy, talk to your insurance agent. You want coverage that's similar to what a children's daycare service would carry.....Coverage for certain criminal acts. The catch is that you won't get to choose your lawyer, your insurance provider will.

Talk to your lawyer before you go and buy liability insurance. Depending on you financial situation you may not need it. If your judgment proof, on the verge of bankruptcy from your criminal defense, etc, and you don't have insurance your probably not going to get sued, there's nothing for the other lawyer to win. If you do get sued (Bernie Goetz or OJ) you don't have that much to lose.

If you have assets to protect make sure they a properly insured.

hso
June 29, 2006, 12:39 PM
if you were to pop a cap on some one, :rolleyes:

I don't use them, but there are plenty of pre-paid legal services out there. A little email or phone work should find one that is prepared to handle shootings.

The other advice is to find out who defends the PD/SD in shootings in your area. That attorny's office would be a good choice.

oldschool
June 29, 2006, 12:51 PM
If the incident occurs in my home (and its a legal/good shoot) my homeowners treats it like any other liability issue (i.e., you kid breaks an arm on my swing set or fire/water damage). I've looked into umbrella policies to protect my assets in a self-defense shoot outside the home (about $150/year for $1m coverage).
I agree most insurance companies would probably do a payout instead of defend. I'd rather go into debt justifying my actions than have a payday for those who so wonderfully raised the deceased.

Larry Ashcraft
June 29, 2006, 12:54 PM
My CCW instructor suggested that anyone who carries a gun should add "umbrella coverage" to their homeowners policy. In fact, its a good idea for anyone to have it, CCW or not.

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