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Gun carry insurance #5356691 02/21/20 06:25 PM
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Colt Offline OP
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What company are you using, if covered?


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Re: Gun carry insurance [Re: Colt] #5356695 02/21/20 06:33 PM
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Astro14 Offline
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US LawShield.


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Re: Gun carry insurance [Re: Astro14] #5356706 02/21/20 06:47 PM
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Colt Offline OP
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Originally Posted by Astro14
US LawShield.

I attended a USLaw Shield seminar last night. Not expensive but I don't believe they have bail bond funding and Damages protection. I found USLawShield nickel and dimes for added protection too,
USCCA has bail bond and damage coverage and the nickel and dime add ons of LALawShield, $2m on damages at the USCCA Elite choice option but $47 a month vs .around $22.


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Re: Gun carry insurance [Re: Colt] #5356783 02/21/20 08:34 PM
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Astro14 Offline
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I’ll have to do some comparison shopping, then. I got US LawShield on the recommendation of a friend. Never looked that closely.


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Re: Gun carry insurance [Re: Colt] #5356852 02/21/20 10:17 PM
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RhondaHonda Offline
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This gun carry insurance seems like an answer to a question nobody was asking. Is this pushed mainly by CCW instructors?


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Re: Gun carry insurance [Re: Colt] #5356909 02/21/20 11:10 PM
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inlivenin a free state, no thanks


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Re: Gun carry insurance [Re: Colt] #5356918 02/21/20 11:17 PM
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pkunk Offline
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If I happen to shoot an intruder in my home I feel confident that my LEOs & Judges will exonerate me. They will bleed out inside my door/window


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Re: Gun carry insurance [Re: pkunk] #5356948 02/22/20 12:07 AM
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dogememe Offline
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Originally Posted by pkunk
If I happen to shoot an intruder in my home I feel confident that my LEOs & Judges will exonerate me. They will bleed out inside my door/window

+1


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Re: Gun carry insurance [Re: Colt] #5356953 02/22/20 12:18 AM
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ctechbob Offline
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Still going to get sued in civil court regardless of what the local LEO/DA does most likely. I can see it as being ok coverage in that case, but only if it pays your legal costs to defend that case.


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Re: Gun carry insurance [Re: Colt] #5357071 02/22/20 07:40 AM
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AZjeff Offline
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The good news is the odds of having to use your SD weapon are about the same as getting hit by lightening while buying a winning lottery ticket. Do what you're comfortable with. The aftermath of a self defense shooting might be different in California vs Texas.



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Re: Gun carry insurance [Re: Colt] #5357112 02/22/20 08:48 AM
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Colt Offline OP
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I went with USCCA. I like they pay your bail bond and damages up to $2.25M.
One mistake in a panic situation and your life is ruined.
Even with a good shoot you still will be sued for wrongful death. Attorneys aren't cheap.


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Re: Gun carry insurance [Re: Colt] #5357115 02/22/20 08:57 AM
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supton Offline
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Originally Posted by Colt
Even with a good shoot you still will be sued for wrongful death. Attorneys aren't cheap.

Are there any stats that say this is true? I think it's a good assumption and all, but, the devil's in the details. I've heard of many good assumptions that don't jive with reality.


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Re: Gun carry insurance [Re: RhondaHonda] #5357176 02/22/20 10:13 AM
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Astro14 Offline
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Originally Posted by RhondaHonda
This gun carry insurance seems like an answer to a question nobody was asking. Is this pushed mainly by CCW instructors?


It's a question nobody asks, until they have to use their gun.

Plenty of cases where the defender is arrested and charged with a crime. Happens more in states like New York, than in Texas, but it happens.

I know a guy who had an ND in his apartment. He dutifully reported it. The police, in Virginia Beach, showed up with multiple patrol cars.

He was arrested and charged with a crime. Now, he's going to spend about $2,000 (or more in attorney fees) and will likely have the charges dropped. HE reported it. HE was responsible. HE got charged with a crime.

If you look at how many cars were dispatched, on HIS phone call, it's clear that the cops decided, before they even go to the scene, that he was going to be charged, because they sent half a dozen officers to the scene.

It's a fallacy, it's wishful thinking, to assume that if you defend yourself, you won't get charged with a crime. A person who discharges a firearm, lawfully, and in self-defense, is often charged with a crime and has to spend big bucks on attorneys to have the charge dropped or to be acquitted in court. You have no way to know what the cops will think when they show up, no way to predict that you'll be charged or not.


Last edited by Astro14; 02/22/20 10:14 AM.

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Re: Gun carry insurance [Re: supton] #5357178 02/22/20 10:15 AM
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Astro14 Offline
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Originally Posted by supton
Originally Posted by Colt
Even with a good shoot you still will be sued for wrongful death. Attorneys aren't cheap.

Are there any stats that say this is true? I think it's a good assumption and all, but, the devil's in the details. I've heard of many good assumptions that don't jive with reality.


What "stats" would you like.

It happens.

Talk with an attorney in your state.

Talk with an attorney in any state in which you carry.

It happens, and happens often, so who cares what the odds are, they're greater than zero and that should give you pause.

15 seconds on Google, and in roll the results, here is one: https://www.seacoastonline.com/article/20100523/NEWS/100529928

The cops themselves get sued all the time with wrongful death. Even if you don't get charged with a crime, the family of the decedent can sue you. Their "little angel child who never hurt nobody" was killed in your home, so you get sued. That happens all the time, too.

https://www.gilmanbedigian.com/man-who-shot-intruder-in-his-home-sued-for-wrongful-death

Last edited by Astro14; 02/22/20 10:20 AM.

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Re: Gun carry insurance [Re: Colt] #5357180 02/22/20 10:20 AM
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Colt Offline OP
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In most cases, if not all, a wrongful death suit doesn't cost the client anything if they lose. So why wouldn't they sue?

Contingency Fees in Wrongful Death Cases
In a contingency arrangement, you agree to pay the lawyer a percentage of the amount recovered typically between 33.333% and 40%. The precise amount usually depends on the type of case and a number of other factors.

https://www.sutliffstout.com/wrongful-death-guide/attorneys-fees-wrongful-death/


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