[MR.G]

How many carry a Personal Defense insurance policy, like the NRA endorsed one?

[hd1.]

I carry the NRA endorsed "self defense" policy. I have never had to use it, and I hope I never do.

Before I went with the NRA endorsed policy, I checked with my State Farm homeowners as to the "unbrella policy" that they offer. Guess what? Any deliberate act, including self-defense, is excluded.

To anyone who thinks they have coverage: Read the "Exclusions" section carefully.

It seems to me that, given the choice, State Farm would rather pay off on your Life Insurance policy, than insure you to defend yourself. And I know that they are not alone among insurance companies in thinking this way.

[MR.G]

I was told the same thing by State Farm. Seems to be a standard exclusion on umbrella policies. So far the NRA policy is the only one that I can find that does cover self defense claims.

[Nathaniel Firethorn]

I've got the NJ Manufacturers' umbrella policy, which does not exclude acts of self defense.

- pdmoderator

[Duncan Idaho]

I carry mine all the time. It's loaded with 11 rounds of 10mm.

[mtonetwo]

and haven't seen that it excludes self defense. Anybody concur?

[Double Naught Spy]

mtonetwo, it does not matter what anybody else's policy says for your situation. All that matters is what your policy says for your situation.

[synoptic]

In my ignorance I'm a little confused. Should our homeowners policy (or renter's in my situation) cover acts of self defense as some sort of add on? and what do these policies actually cover? Court fees if you are sued? Cost to replace seized firearm? I'm just curious as to what exactly I should be asking my ins. company for.

[berettaman]

Probably they cover the price of the bullet after your $500 deductable.:evil: :neener:

[hd1.]

In my ignorance I'm a little confused. Should our homeowners policy (or renter's in my situation) cover acts of self defense as some sort of add on? and what do these policies actually cover? Court fees if you are sued? Cost to replace seized firearm? I'm just curious as to what exactly I should be asking my ins. company for.

Most homeowners policies (or renters) cover only accidental damages. The umbrella liability add on is an excess personal liability coverage which extends over your other policies, such as your insured vehicles. Many companies have an Exclusion for deliberate acts by you, including self defense . (Wether legally justified or not!) You have to read the "Exclusion" section of your policy.

The NRA endorsed policy which I have, Provides Criminal Defense Reimbursement , which means your defense is covered (up to your limit) after the act of self defense is found to be justified.

Also, it includes a Civil Defense and Liability coverage which only applies after you have been cleared of Criminal charges, and are now being sued in Civil court.

I know that this may not be all it should or could be, but I believe that it is better than nothing, so I carry it.

[uglymofo]

HD1,

you said,

The NRA endorsed policy which I have, Provides Criminal Defense Reimbursement , which means your defense is covered (up to your limit) after the act of self defense is found to be justified.

I couldn't find a link for 'personal defense insurance' at the NRA site. Can you provide a link?

Who is the insurance carrier for your policy, and what is the 'official' title of the insurance (i. e., homeowner's, earthquake, personal defense)

Thank you.

[MR.G]

The NRA insurance is at www.locktonrisk.com/nrains/

[CAP]

Yes.
It's a 9mm with reloads.
And maybe a rifle too.
Oh, and a shotgun at home.

[uglymofo]

Thanks very much, Mr. G.

[Zundfolge]

Duncan Idaho, as much as we'd all like to, you can't use them on the lawyer suing you on behalf of the piece of dirt you had to kill in self defense.


The self defense insurance and the fact that most private ranges require NRA membership in order to get membership are pretty good reasons to get that NRA membership.

[Duncan Idaho]

Duncan Idaho, as much as we'd all like to, you can't use them on the lawyer suing you on behalf of the piece of dirt you had to kill in self defense.I am actually fortunate enough to live in the non-Soviet occupied part of America. As such, I can rely on Section 9A.16.110 of the Revised Code of Washington state which is titled "Defense of person or property against heinous crime - Indemnification or reimbursement by state for expenses of defendant"

I won't bore you with the details, but essentially the law states that if I was legally within my rights to shoot to defend myself or others in my presence from immediate threat of harm, then the state must reimburse my expenses related to said prosecution. These would include "loss of time, legal fees, or other expenses and is not an independent cause of action" also nothing precludes the "legislature from granting a higher award through the sundry claims process".

In terms of civil suits on behalf of dead perps? I am unaware of any successful suits in the state of Washington on behalf of dead dirtbags that got what was coming to them. Provided of course, that the shooting was justified. Should the shooting not be justified, then one would have a world of other problems, one of which would be that "Personal Defense insurance" does not cover shootings that don't involve self-defense.

Hence, the only "Personal Defense insurance" that one needs in WA St. is "insurance" that can be carried with one in a reasonably concealable fashion.

For those in occupied territory? All I can say is that if you need to worry about being sued and/or prosecuted for lawfully defending yourself and/or others, then "insurance" is the very least of your worries. Good luck. I get the sick feeling that you are going to need it. :(