For those members that CCW, do you have insurance in case you do have to defend yourself?
I cannot carry in my own state, but do have non-resident permits that allow me to carry in 34 states. While reading on a local NJ gun forum, I came upon a post stating if you CCW you should have insurance. Do you have insurance for your carry firearm?
I first looked in Search, but only found 1 post and it was about insurance for firearms in the home.

Don't need it - as long as it is a good shoot. GA does not allow civil suits for self defense.

There was a thread on this a few weeks ago- some good info and links are listed...

https://sigforum.com/eve/forums...0601935/m/1020012024

Opinions on that insurance are as vast as political opinions.

For me, no. CCW permit holders, the numbers that have to do a presentation and/or fire, is not even one percent of one percent last time I looked. And I don't like the idea of that insurance being used against me in a court of law, criminal or civil. I think it is smarter to research and meet a local defense attorney if it ever comes up so you know who to call. Traveling, I'll just use my head, be safe by planning safe routes, and traveling at the safer times. Heavily focused on situational awareness. Pre-sourcing attorneys in every area of every state I plan to travel is too much work for me.

In Maryland we are a "May" issue State so I carry for business. Yes, my business insurance has liability built in, up to 5 million per occurrence. With luck I'll never have to use it. Chris

"Lady's and gentlemen of the jury, Mr. Smith knew that he was such a hot head, knew that he was just itching to pull the trigger, that he purposely sought out insurance. Not just any insurance, but extreme insurance. A policy for when he decides to use his gun and shoot someone. If that's not premeditated, I don't know what is. Mr. Smith probably looks up to, and aspires to be like, the George Zimmermans of the world".

quote:

Originally posted by bubbatime:
"Lady's and gentlemen of the jury, Mr. Smith knew that he was such a hot head, knew that he was just itching to pull the trigger, that he purposely sought out insurance. Not just any insurance, but extreme insurance. A policy for when he decides to use his gun and shoot someone. If that's not premeditated, I don't know what is. Mr. Smith probably looks up to, and aspires to be like, the George Zimmermans of the world".

Good point.

quote:

Originally posted by bubbatime:
"Lady's and gentlemen of the jury, Mr. Smith knew that he was such a hot head, knew that he was just itching to pull the trigger, that he purposely sought out insurance. Not just any insurance, but extreme insurance. A policy for when he decides to use his gun and shoot someone. If that's not premeditated, I don't know what is. Mr. Smith probably looks up to, and aspires to be like, the George Zimmermans of the world".

I find this notion to be as equally absurd as the idea of carrying CCW insurance.

quote:

Originally posted by Balzé Halzé:

quote:

Originally posted by bubbatime:
"Lady's and gentlemen of the jury, Mr. Smith knew that he was such a hot head, knew that he was just itching to pull the trigger, that he purposely sought out insurance. Not just any insurance, but extreme insurance. A policy for when he decides to use his gun and shoot someone. If that's not premeditated, I don't know what is. Mr. Smith probably looks up to, and aspires to be like, the George Zimmermans of the world".

I find this notion to be as equally absurd as the idea of carrying CCW insurance.

I totally agree. But inasmuch a prosecuting attorney will say & do whatever it takes to sway a jury if a shooting incident goes to trial, I'd be surprised if they didn't bring this notion up.

quote:

Originally posted by Cliff:

quote:

Originally posted by Balzé Halzé:

quote:

Originally posted by bubbatime:
"Lady's and gentlemen of the jury, Mr. Smith knew that he was such a hot head, knew that he was just itching to pull the trigger, that he purposely sought out insurance. Not just any insurance, but extreme insurance. A policy for when he decides to use his gun and shoot someone. If that's not premeditated, I don't know what is. Mr. Smith probably looks up to, and aspires to be like, the George Zimmermans of the world".

I find this notion to be as equally absurd as the idea of carrying CCW insurance.

I totally agree. But inasmuch a prosecuting attorney will say & do whatever it takes to sway a jury if a shooting incident goes to trial, I'd be surprised if they didn't bring this notion up.

And that is why the only insurance you need is a good attorney - BEFORE it ever gets that far.

How do you plan on paying for that attorney (at a few hundred dollars an hour)?

Has anyone seen an example where carrying an insurance policy covering CCW liability, both criminal and/or civil, has ever been used against a defendant in court?

On the flip side, what do these policies cost, and what / how much do they cover?

quote:

Originally posted by craigcpa:

quote:

Originally posted by Cliff:

quote:

Originally posted by Balzé Halzé:

quote:

Originally posted by bubbatime:
"Lady's and gentlemen of the jury, Mr. Smith knew that he was such a hot head, knew that he was just itching to pull the trigger, that he purposely sought out insurance. Not just any insurance, but extreme insurance. A policy for when he decides to use his gun and shoot someone. If that's not premeditated, I don't know what is. Mr. Smith probably looks up to, and aspires to be like, the George Zimmermans of the world".

I find this notion to be as equally absurd as the idea of carrying CCW insurance.

I totally agree. But inasmuch a prosecuting attorney will say & do whatever it takes to sway a jury if a shooting incident goes to trial, I'd be surprised if they didn't bring this notion up.

And that is why the only insurance you need is a good attorney - BEFORE it ever gets that far.

quote:

Originally posted by Cliff:

quote:

Originally posted by Balzé Halzé:

quote:

Originally posted by bubbatime:
"Lady's and gentlemen of the jury, Mr. Smith knew that he was such a hot head, knew that he was just itching to pull the trigger, that he purposely sought out insurance. Not just any insurance, but extreme insurance. A policy for when he decides to use his gun and shoot someone. If that's not premeditated, I don't know what is. Mr. Smith probably looks up to, and aspires to be like, the George Zimmermans of the world".

I find this notion to be as equally absurd as the idea of carrying CCW insurance.

I totally agree. But inasmuch a prosecuting attorney will say & do whatever it takes to sway a jury if a shooting incident goes to trial, I'd be surprised if they didn't bring this notion up.

All you have to do is read about the Duke Lacrosse prosecutions in Durham NC to see what a renegade prosecutor will do to put you in prison for life.

I would put NOTHING by a prosecutor in terms of what they might TRY to use against you. Could be ANYTHING.

-------------------------------------------------

quote:

Originally posted by RB211:
Don't need it - as long as it is a good shoot. GA does not allow civil suits for self defense.

Same in Michigan, plus anybody attempting to prosecute a civil lawsuit against somebody in Michigan who was found to have lawfully defended themselves may find themselves on the hook for their intended victim's legal fees:

quote:

PA 314 states that a person who defends himself (or in defense of another individual) with deadly force or less than deadly force anywhere he has a right to be is immune from civil liability for damages.

PA 312 provides attorney fees to a defendant if a civil suit is filed and the court determines that the defendant is immune from civil liability under PA 314.

Ref: Michigan’s Castle Doctrine & No-Retreat Legislation Review (ammoland.com)

quote:

Originally posted by Sig209:
I would put NOTHING by a prosecutor in terms of what they might TRY to use against you. Could be ANYTHING.

-------------------------------------------------

^ /

[QUOTE]Originally posted by BBMW:
How do you plan on paying for that attorney (at a few hundred dollars an hour)?

On the flip side, what do these policies cost, and what / how much do they cover?

/QUOTE]

I carry CCW insurance. Cost about $400 a year. Provides an emergency hotline with attorneys on retainer in whatever state you find yourself in need. Pays immediate bond money should the locals decide to lock you up and helps pay legal defense both in criminal and civil court(amount depends on policy). I don't really need it in Alabama but I travel a lot and some states I'm in are down right unfriendly towards people carrying guns.

I do not. I am rather suspicious of these policies.

I have an umbrella policy. Not specific CCW insurance. The umbrella covers all liability.

quote:

Originally posted by armedprof:
I have an umbrella policy. Not specific CCW insurance. The umbrella covers all liability.

Liability insurance normally covers a negligent act. Will it cover you for a purposeful act? I am skeptical that anyone would underwrite such a policy. I wouldn't mind being proven wrong.

I don't, however, see anything wrong with having a lawyer's name in your pocket. Right after a shooting is a really bad time to be flipping through the Yellow Pages.

Also, will a liability umbrella cover criminal defense? I'm pretty sure it won't.

I don't know if my umbrella covers criminal defense, but I do know it covers me if I shoot someone and there is a resulting civil liability - as long as I'm not convicted of a crime.

I think I read somewhere that being an NBA member automatically gets you $50k of criminal defense should you need it? Don't quote me, though, and I'm sure someone will be along to correct me if needed.