Does anyone carry CCW Liability insurance?

[Joe Bob]

Pros, cons, who to avoid?

[Taz's Master]

I have to be honest, I don't think that should be a thing. If financial liability is enough to make anyone less likely to use their firearm, society probably benefits. If I were in charge (and NOBODY has asked me to be) that insurance would only cover attorney fees in a civil case tied to an event that did not result in the CCW receiving a criminal conviction.

[E38Driver]

Have not signed up yet but these guys seem better than the NRA insurance program. The instructor at my CCW class has them and I am still researching it.

https://www.usconcealedcarry.com/membership/

Dave

[masraum]

Originally Posted by Taz's Master

I have to be honest, I don't think that should be a thing. If financial liability is enough to make anyone less likely to use their firearm, society probably benefits. If I were in charge (and NOBODY has asked me to be) that insurance would only cover attorney fees in a civil case tied to an event that did not result in the CCW receiving a criminal conviction.

Why? If a criminal can sue you after getting shot in the commision of a crime, why can't you have insurance? I have to tell you, insurance or not is not going to make a bit of difference to 99.9% of the folks that legally carry concealed. I can't imagine anyone thinking "I should totally shoot that guy because it won't cost me anything. I've got insurance."

[id10t]

State law provides immunity for a justified shooting

[rattlsnak]

I didn't even know this was a thing, or even available!

[Jeff Higgins]

It looks like with the rise in CCW nationwide, there are those who would like to make this "a thing". I believe most states with CCW permits and/or "castle doctrine" laws provide immunity from civil liability in the event of a justified defensive shooting. Not that the hucksters (including, now, the NRA it seems) want you to know that. They'll just quietly take your money for "protection" you likely do not need.

[masraum]

Originally Posted by Jeff Higgins

It looks like with the rise in CCW nationwide, there are those who would like to make this "a thing". I believe most states with CCW permits and/or "castle doctrine" laws provide immunity from civil liability in the event of a justified defensive shooting. Not that the hucksters (including, now, the NRA it seems) want you to know that. They'll just quietly take your money for "protection" you likely do not need.

I think a big part of this is not so much the civil liability, but also the criminal. If you get arrested/charged, they'll cover your legal costs (assuming you get acquitted).

[cstreit]

Ive been told that even a completely legal and clear cut self defense can run you 20-50k in legal fees. My instructors recommend a place called the armed citizens legal defense fund ( or something like that). Provides for fees, experienced attorneys and expert witnesses as needed.

[wdfifteen]

Originally Posted by E38Driver

Have not signed up yet but these guys seem better than the NRA insurance program. The instructor at my CCW class has them and I am still researching it.

https://www.usconcealedcarry.com/membership/

Dave

It doesn't say anything about covering mistakes and accidents unrelated to self defense. Can you get liability insurance for gun accidents like liability insurance for car accidents?

[id10t]

Originally Posted by cstreit

Ive been told that even a completely legal and clear cut self defense can run you 20-50k in legal fees. My instructors recommend a place called the armed citizens legal defense fund ( or something like that). Provides for fees, experienced attorneys and expert witnesses as needed.

Funeral can run you about half that from what I understand.... if it came down to it, I'd rather get a 2nd job and pay a lawyer....

Originally Posted by wdfifteen

It doesn't say anything about covering mistakes and accidents unrelated to self defense. Can you get liability insurance for gun accidents like liability insurance for car accidents?

Lifetime membership in the NRA gives you a $10k (IIRC) accidental death/dismemberment/disability policy.

[E38Driver]

Originally Posted by wdfifteen

It doesn't say anything about covering mistakes and accidents unrelated to self defense. Can you get liability insurance for gun accidents like liability insurance for car accidents?

Very good question. Don't know, would an personal umbrella policy cover that?

Dave

[Rick Lee]

I think the main benefit is getting you bail money and a lawyer, if you're arrested after a shooting. Justified shoot or not, you need a lawyer. And if you get hit with a six figure bail/bond amount, you'll need to cough up 10% of that just for the bondsman's fee. $10k is a lot of money to most people and you don't get that back for showing up in court. That amount would probably be worth a lifetime of insurance premiums. And then you will need to pay the lawyer, even if nothing ever comes of the case. Some states are good about this, but others will bankrupt someone for even a justified shoot.

AZ shields people from civil liability in a good shoot. But the bad guys' families still always try, and they do put the good guys through some legal and financial hoops before a judge quashes it. It's really too bad we don't have a loser-pays law.

[impactbumper]

Originally Posted by E38Driver

Have not signed up yet but these guys seem better than the NRA insurance program. The instructor at my CCW class has them and I am still researching it.

https://www.usconcealedcarry.com/membership/

Dave

I am an NRA member but looking into this.


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[legion]

I have an umbrella policy, so I think the real risk for me is malicious and/or misguided prosecution. Both seem unlikely locally, but sometimes it can take a little while for the evidence to match the facts.

[CurtEgerer]

I guess it sort of depends on the price, right? Here're the rates and basic coverage limits for NRA Carry Guard. They're just expensive enough for me to question whether it's really worth it. Undecided.

[Rick Lee]

I think the consensus is that USCCA is a lot better.

[Joe Bob]

Does anyone carry CCW Liability insurance?

So I guess the answer, none of those that have responded.....