I flunked geography.Eddie: I'd LOVE to have Sheriff Joe in NM. Maybe I'll kidnap him from AZ
Self defense and your insurance
- Thread starter DBR
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DeputyRet
Member
Here's a possibility I was wondering about. When I was on the job we were bonded. That means we were insured by an independent insurance company. So we were covered for gigantic lawsuits. Can you be bonded as an individual? Does bonding cover lawsuits by scumbags?
Nuke8401
Member
Did the original question ever get answered?
Good or bad, I carry the NRA endorsed Instructor, Excess Personal Liability and Self Defense insurance. I teach, run stages/matches and CCW.
Does anyone know of an instance when the NRA endorsed insurance was used?
Good or bad, I carry the NRA endorsed Instructor, Excess Personal Liability and Self Defense insurance. I teach, run stages/matches and CCW.
Does anyone know of an instance when the NRA endorsed insurance was used?
My career was 25 years as a multi-line field insurance adjuster for a major southern insurance company. The question as I understand it is will your liability insurance cover you if you are defending your life and have to shoot someone. Most policies exclude "intentional acts". An intentional shooting would not be covered. but as many serious claims,there seems to be a gray area. One fatility claim due to a gunshot proved the insured's son mishadled a 22 LR rifle and the victim was accidentally shot and dies in a few minutes. In this case,it was a covered loss as my investigation proved it was unintended and accidental. If one safety measure had been followed,i.e. seeing if the rifle was loaded; this would never have happened. Byron
DeputyRet
Member
Hmmmm...I looked up the "NRA endorsed Instructor, Excess Personal Liability and Self Defense insurance"...
Self Defense Coverage
Apply for Self Defense Coverage
Certificate of Coverage
"The NRA Endorsed Insurance Program offers me peace of mind; knowing I will have the coverage I need if I ever have to defend myself or my family."
Our Self-Defense insurance protects NRA members who need extra protection not found in most homeowners' policies.
The coverage is a rider to the Excess Personal Liability coverage, and provides civil defense and liability and criminal defense reimbursement if you are involved in an act of self-defense.
What's Covered:
• Provides coverage up to the limit selected for bodily injury or property damage caused by an act of self-defense.
• Cost of civil suit defense is provided in addition to the limit of liability for bodily injury and property damage.
• Criminal Defense Reimbursement for alleged criminal actions involving self-defense when you are acquitted of such criminal charges or the charges are dropped.
Liability Limit Options:
• $100,000 Combined Single Limit with $50,000 criminal defense reimbursement sub-limit
• $250,000 Combined Single Limit with $50,000 criminal defense reimbursement sub-limit
http://www.locktonrisk.com/nrains/defense.htm
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Looks like a pretty good deal. However, I am curious about how much is normally awarded to scumbag survivor families for suing someone who uses a gun to defend themselves? Perhaps a lawyer with some experience in this could chime in?
Self Defense Coverage
Apply for Self Defense Coverage
Certificate of Coverage
"The NRA Endorsed Insurance Program offers me peace of mind; knowing I will have the coverage I need if I ever have to defend myself or my family."
Our Self-Defense insurance protects NRA members who need extra protection not found in most homeowners' policies.
The coverage is a rider to the Excess Personal Liability coverage, and provides civil defense and liability and criminal defense reimbursement if you are involved in an act of self-defense.
What's Covered:
• Provides coverage up to the limit selected for bodily injury or property damage caused by an act of self-defense.
• Cost of civil suit defense is provided in addition to the limit of liability for bodily injury and property damage.
• Criminal Defense Reimbursement for alleged criminal actions involving self-defense when you are acquitted of such criminal charges or the charges are dropped.
Liability Limit Options:
• $100,000 Combined Single Limit with $50,000 criminal defense reimbursement sub-limit
• $250,000 Combined Single Limit with $50,000 criminal defense reimbursement sub-limit
http://www.locktonrisk.com/nrains/defense.htm
--------------------------------------
Looks like a pretty good deal. However, I am curious about how much is normally awarded to scumbag survivor families for suing someone who uses a gun to defend themselves? Perhaps a lawyer with some experience in this could chime in?
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IMO, anything that happens during a crime is the fault of the criminal. If a homeowner is holding a home invader at gunpoint and the gun "accidentally goes off," the invader is at fault. If he hadn't violated someone's home, he wouldn't have an extra hole.
I'm certain the lawyers who write our laws would never go along with that.
I'm certain the lawyers who write our laws would never go along with that.
KBintheSLC
Member
In Utah, if you are deemed to be "in the right" to shoot in self defense, you are also protected by law from any subsequent civil action against you. This is not only limited to shootings in your home, it applies to any shooting in self defense. If the prosecutor deems it a legitimate SD shooting, you are protected from frivolous civil suits.
Perhaps VT has the same type of protection written into its books...??? You might want to look into it.
Perhaps VT has the same type of protection written into its books...??? You might want to look into it.
IdahoSkies
Member
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- Dec 2, 2009
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- 549
I am a trial attorney and while I would not take such a case (I think the liability issues would be screwy and most jury's in my area would see that) however IF you did get socked with damages the outcome would probably center on 2 things 1) What are the insurance policy limits. Wrongful Death cases with small limits, usually settle/resolve for limits. A $150,000.00 policy would be a small limits policy from a wrongful death claim. And 2) What are the economic losses. What potentiall loss of suport will the surviving spouse/family now loose out on. The economic losses will driver everything else. The bigger issue is if the person shot lives and needs on going medical care, what if s/he was put in a wheel chair? The cost of ongoing medical care will far eclipse anything else, in the multiple millions easily.
So buy your coverage with two things in mind, what is your risk, and how much do you need to insure.
So buy your coverage with two things in mind, what is your risk, and how much do you need to insure.
This is an interesting thread. I have had similar discussions on other forums. I am still undecided about which avenue to pursue, but as of now I do not have any special insurance to cover me in the case of a SD shooting. Here in Kansas, our laws are written in a manner that offers way more protection to a "righteous" SD shooter. First, we do have a Castle Doctrine. Second, we have a right to stand your ground doctrine, no matter where you are at. Third, the law protects you from a civil suit IF the shoot has been deemed righteous by the local authorities. But there lies the rub! I know that ALL of us would only shoot someone if it were absolutely necessary and we feared for our lives or the life of a loved one. But guess what? It does not matter one bit what we think. The only thing that matters is what the local prosecuting attorney thinks. Here, I am talking about criminal charges. If the prosecuting attorney does not like guns, does not like CCW, does not like you, or just plain got up on the wrong side of the bed, he/she can charge you with a felony. You WILL have to have an attorney. You WILL have to pay him. It WILL be expensive. And to make matters worse, you will NOT plead not guilty. You will have to have what is called an "Affirmative Defense". In other words you will have admitted to killing the BG. Now you will need an attorney well versed in this kind of defense. You will NOT want a criminal defense attorney, who, in all liklihood, has always defended guilty criminals. He most likely will not know how to present an affirmative defense.
So, what we all should do before the fact, is to locate an attorney "somewhere" who has experience in using an affirmative defense. Then we should make an appointment to talk with him about the possible use of force in our futures and determine what he would want you to do in that situation. If you are happy with the discussion, get his business card and ask him if he is available to answer your call 24/7. If he is, then you have found an attorney to represent you in criminal court. Then if you are exonerated (in many states) you cannot be sued in civil court, by law.
One other form of insurance is to join one of the organizations springing up who will provide the appropriate legal support for you. This is not an endorsement of any particular organization, but one of them is the Armed Legal Defense Network, LLC. Just another option to look at.
The more I think about it, the more I think I need that insurance policy. After all, isn't the gun we use also an insurance policy?
BTW, I am not an attorney and the above does not represent any legal advice whatsoever.
So, what we all should do before the fact, is to locate an attorney "somewhere" who has experience in using an affirmative defense. Then we should make an appointment to talk with him about the possible use of force in our futures and determine what he would want you to do in that situation. If you are happy with the discussion, get his business card and ask him if he is available to answer your call 24/7. If he is, then you have found an attorney to represent you in criminal court. Then if you are exonerated (in many states) you cannot be sued in civil court, by law.
One other form of insurance is to join one of the organizations springing up who will provide the appropriate legal support for you. This is not an endorsement of any particular organization, but one of them is the Armed Legal Defense Network, LLC. Just another option to look at.
The more I think about it, the more I think I need that insurance policy. After all, isn't the gun we use also an insurance policy?
BTW, I am not an attorney and the above does not represent any legal advice whatsoever.
DeputyRet
Member
Oh cripes. I can just see the family of the illegal alien I blast showing up with ten kids and a big fat mama crying like crazy... "siiiiii, my breadwinner Jose is dead and what will I do with all theeeeese kids". The jury will be made up of 99% hispanics and I'll be the lone anglo in the courtroom. Might as well build the gallows and buy the rope. If they don't hang me by my nads and drag me through the street, I'll be penniless and on welfare and that whole family will have all the junk food and illegal drigs they can get.
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