CCW Insurance Coverage

I have not, although I've thought about it from time to time. It's one of those things that gets back burnered. I need to look into what's available, what it costs and what it really does for you...

Hopefully there are some with more knowledge on this topic. I'd like to see some of the group knowledge here. It's usually pretty darned impressive.

Jeff B.

Jeff B. said:

I have not, although I've thought about it from time to time. It's one of those things that gets back burnered. I need to look into what's available, what it costs and what it really does for you...

Hopefully there are some with more knowledge on this topic. I'd like to see some of the group knowledge here. It's usually pretty darned impressive.

Jeff B.

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I’m with you
I’ve been seriously thinking about it too.

I think it is like most specialty insurance (like flight insurance that pays if you die in a plane crash) and is not worth doing. Training, and understanding the law are better investments. A bad shoot is a bad shoot, not matter how much insurance one has.

Few people (even police) pull on anyone, even fewer fire, and even fewer still face legal issues from that shot. Yes, high profile cases happen but are really rare if you crunch the numbers.

If you opt to proceed read the fine print on when they will leave you out to dry as it may be written in such a way that the protection is so limited to be worthless.

Ohen Cepel said:

I think it is like most specialty insurance (like flight insurance that pays if you die in a plane crash) and is not worth doing. Training, and understanding the law are better investments. A bad shoot is a bad shoot, not matter how much insurance one has.

Few people (even police) pull on anyone, even fewer fire, and even fewer still face legal issues from that shot. Yes, high profile cases happen but are really rare if you crunch the numbers.

If you opt to proceed read the fine print on when they will leave you out to dry as it may be written in such a way that the protection is so limited to be worthless.

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I’d agree except that if you do have to pull your gun you could be charged with brandishing a weapon even if justified. Police sometimes make decisions and they’re not always based on facts or justice or the law.That can cost a great deal to defend. And I don’t know about you but I’m not willing to plea a deal on a bogus charge.

This subject has been discussed on this forum several times. The consensus being that while many feel having insurance is a good thing many others don't think it's necessary. As the odds of a responsible firearm owner, as I assume you are, having to use your firearm in defense of yourself, family, property or others is almost akin to winning the lottery and as you say you don't carry 95% of the time the odds are far greater than that compared to someone like myself that carry's everywhere that is permissible.
That being said there are some attractive policies out there so shop around if you consider one. Most policies have tier pricing. Basic pricing usually includes bail money and an attorney for arraignment while top tier pricing will pay for everything up to and including representation in a courtroom. Remember though it's all about money. Some policies will not risk the money and time after the initial hearing if they believe you committed an offense. Read the fine print.
To get a good idea of what I am talking about look at the different policy options here: https://lockton.nracarryguard.com/coverage/
There was an attorney on this forum a few months ago, I believe he was from Michigan and maybe he will comment, that offers, what I consider a very attractive policy but I believe it's for Michigan residents only but I could be wrong on that.
Full disclosure. I have insurance on all of my firearms through my homeowners policy. I also have a friend that is a criminal defense lawyer so If i ever found myself in a rough spot he's just a phone call away.
If you or others believe carry insurance is necessary and makes you comfortable than please do so.You are the only one that can make that decision.

My thoughts exactly.

Michael A Ferber said:

Thanks, I fear I have a lot to think about. It may be much more economical to hire your own attorney. In case of a serious shooting, I prefer to have a lawyer with excellent credentials rather than some hack contracted by the insurance company.

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My thoughts exactly. I would rather have someone who knows his way around the local courthouse and has a working relationship with the local judiciary system. May cost you a couple of hundred dollars for 1/2 hour of an attorneys time, and that's cheap, to tell him your concerns and ask if he would represent you if needed. There are policies out there that allow you to choose a local attorney though.

Michael A Ferber said:

I've possessed a CCW permit for decades. 95% of the time I am unarmed. With all the litigation in the country today I'm guessing that one should consider a legal aid policy to cover you just in case you are involved in a shooting.

How many of you have purchased this protection?

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I am a retied LEO.

And having sat through HUNDREDS of courtroom appearences and about as many as a arresting officer and witness.

I carry insurance to make sure I can go home after a shooting that I was involved in.

I want BAIL,representation that knows the subject,protection.

I went to the USCCA convention,it was a real eye opener for me.

Expecting to learn nothing [ I knew it all ].

I am very happy to NOT need my insurance policy,but it is there if heaven forbid I need it.

I have it. I carry for "just in case" and I have insurance for "just in case".

Ive been using CCW SAFE for a number of years now. I figure the $130/year it costs me is really cheap insurance, should I ever be unlucky enough to need it.

For that $130, I make a phone call. They handle everything. No out of pocket money on my part.

They recently handled one member's case that incurred over $300,000 in expenses. Didnt cost him a cent.

This is no different than any other insurance, other than they have "experts" on hand to get you through. Not just throw "some" money at you down the road, and tell you good luck.

I have USCCA and I pay $22. mo. I added my wife awhile back. From my research for this I decided to go with USCCA for one thing they cover anyone in my house and any type of weapon if I remember correctly. The NRA coverage is a little sketchy.

I'm a retired LEO, and of the same mind as scaatylobo. Just renewed mine for another year, $95.00, about 26¢ a day if my math is correct. I fully understand a bad shoot is a bad shoot. But what I might potentially think was a 100% justified "good shoot", might be viewed differently by LE investigators and/or prosecutor. Like scaatylobo, I want to go home should I be involved in a lethal force incident......YMMV

My insurance is with Second Call Defense and I have the Ultimate Plus package. It's a bit pricey at $54.95 a month (for just me) but I have yet to find anything better as far as coverage.

http://secondcalldefense.org/

I was just going to start a thread on this exact thing today. I'm planning on getting some here soon, my wife and I are just starting out and we can afford the legal defense just slightly more than we can afford needing a gun and not having it. My local range is advertising U.S. LawShield. Apparently they have law professionals familiar with firearms laws at the call center and a hotline you can call for any firearm legal questions, not just when it is your butt on the line. That alone makes the $11/month seem appealing to me as I'm still figuring out a bunch of these laws. I want to compare it to USCCA and Second Call Defense. Have you guys heard anything about U.S. LawShield?

I am looking into this as well. Thanks for the suggestions. Going to look into these as well as others.

I understand a bad shoot is a bad shoot, but that's no necessarily my main worry. Even after what someone would consider a "good shoot" you want to show with a lawyer before saying anything other than "my life was in danger so I defended myself, I would be happy to answer any questions with my lawyer present"

Law enforcement could twist or words or depending on the political climate where you are they could try to prosecute .

It is worth the price just to have a knowledgeable 2a laywer help you through the process

Here is my criteria:

I work nights sometimes and Second Call Defense has 24/7 365 days a year on call support. Also they have the most generous reimbursement set up.

And they do charge accordingly.

Look at this website: https://www.armedcitizensnetwork.org/. The board consists of people like Massad Ayoob, Dennis Tueller, John Farnam to name a few. I've been a member for several years. They have a great number of benefits.

Really it is best to research and compare the CCW insurance carriers. No different than researching car or homeowners insurance in my experience.

The costs and differences in coverage are not that subtle. You will be surprised.

frogfurr said:

Also they have the most generous reimbursement set up.

And they do charge accordingly.

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So you have to pay any costs up front, and then they reimburse you?

Only the monthly membership fee.

Im a little confused. Whats being reimbursed?

I understand. I worded this wrong. They will cover the the costs up front. Reimbursed was completely the wrong word.

Gottcha. Thanks.