Carry insurance..........

[Jim101]

Has anyone heard or looked into this? At a Gun Show here in Texas a table had information on legal insurance for those who carry. The cost is $129 a year, I'm getting ready to send them an email with a few questions about the coverage. Here is the site: www.chlpp.com. Let me know what yo think.
***I am in NO associated with this company or will I benefit if anyone buys a policy***

Jim

 

[cidirkona]

"Carry Insurance" Isn't that a little redundant?

-Colin

 

[dolanp]

From reading the site it looks like it only covers you for the Grand Jury phase. No civil action or further criminal defense seems to be covered.

 

[Werewolf]

It's been a while since I looked but I believe that one of the NRA benefits is legal benefit up to 50,000 in the event of a self defense shooting. It covers only the criminal part of the defense not the civil.

Might have to pay extra for it - don't remember - but I'm pretty sure it is available from the NRA.

 

[Jim101]

I guess even if it only covers the Grand Jury portion of it, that's not bad...I am a member of the NRA and cannot find where the NRA provides that to members, free of charge..........

Jim

 

[jason10mm]

Can't you get an umbrella liability policy? Something that would cover a civil suit, whether it is from a defensive shooting or car accident, or anything else? Probably isn't cheap, but might be worth looking into.

I heard that some legal groups sell "insurance", where you pay them X amount, and they would represent you to Y cost.

I wonder if such insurance could be used against you. In the Ayoob method of thinking, "you wanted to shoot someone SO BADLY, you went out and bought insurance for it!!" Ayoob is mentioned faceciously as he seems to always be railing about using handloaded ammo ("home made assassin bullets") or customized pistols ("took the safeties off to make it a better killer!") for self defense.

 

[Elmer]

Ayoob is mentioned faceciously as he seems to always be railing about using handloaded ammo ("home made assassin bullets") or customized pistols ("took the safeties off to make it a better killer!") for self defense.

Much as I disagree with Ayoob, he is correct about perceptions of juries. It's not a bad idea to think ahead how your actions or equipment will be spun by a prosecutor or attorney in a civil suit. I've seen the tactic used numerous times. 12 little old ladies won't understand anything about guns or ammo, and if the nice man in the suit leads them to a conclusion, they'll buy it.

 

[Vodka7]

Your NRA membership comes with two insurance policies:

- "$10,000 of Accidental Death and Dismemberment coverage at NO COST to you. The plan covers accidents at, or to and from, an NRA event; and accidents that occur during the use of firearms or hunting equipment while hunting."

- "$1000 of ArmsCare coverage with your NRA membership. This plan covers insured firearms, air guns, bows and arrows against theft, accidental loss, and damage."

They also offer many affiliated insurance programs at an additional charge. You're probably thinking of the self defense coverage, which "is a rider to the Excess Personal Liability coverage. It provides civil defense and liability and criminal defense reimbursement if you are involved in an act of self-defense."

 

[Technosavant]

Talk to your insurance agent. If you have a renter's or a homeowner's policy, you can probably add an umbrella liability rider with HIGH limits (over and above the normal liability limits) that would cover you in such an event. No need to run a wholly separate policy for that; it would even negate the whole "you bought insurance to shoot somebody" argument. It would just be another high limit homeowner's policy.

 

[MillCreek]

The issue of the lack of coverage for civil liability associated with a self-defense shooting under your homeowners/umbrella policy was extensively covered in another THR thread here

In a nutshell, as explained in this thread, there is probably no coverage for any civil lawsuits against you for shooting someone, at least under a standard homeowners/umbrella policy.

 

[Jim101]

Millcreek,

Very interesting, I read the thread you pointed me to. OK, from what I gather if I take out a policy with that company I get legal advice to take me through the Grand Jury. After that I am on my own, totally, I hire a lawyer and if I loose, they can take everything an no insurance policy will help me....
One more question, do you carry? I realize that when it comes to you or your family's life in question, you shoot then handle worry about the rest later..

Thanks for the information,

Jim

 

[bill2]

pre paid legal services

You might want to check out this: http://www.prepaidlegal.com. An arms instructor who is also CCW licensed has this.

 

[MillCreek]

Jim, at your request, I looked at the website of the legal expense coverage referenced in your original post. This coverage is not insurance per se, insofar as it is a prepaid legal plan, as far as I can tell. This is not the same issue as was addressed in the other thread about coverage of civil liability by your homeowners/umbrella policy.

As I read the FAQ on the policy you are thinking about, they essentially just provide reimbursement of criminal defense legal expenses through the decision of whether to indict you for a crime or not. Hopefully, this attorney is able to influence whether the Grand Jury returns an indictment or not. If you are indicted, you are on your own from that point forward, and they don't seem to offer any sort of coverage for subsequent criminal defense nor any coverage for civil liability for a self-defense shooting. Not being a Texas resident and knowing nothing about Texas criminal procedure, I cannot really comment if this is a good deal or not.

I am now in my mid-40's, and I have had a carry permit since 21, the minimum age allowed by Washington state law.

 

[Jim101]

MillCreek,

Thanks again for your opinion(s), I found everything very interesting and helpful..I do hope I am never in a position where I have to use my gun against anyone......

Jim