How many of you have Shooters Insurance?

July 08, 2020, 07:35 AM

104RFAST

I'm thinking of purchasing SD insurance from USCCA. Times are changing, the likelihood of
being attacked in my vehicle is a major concern! Do you think it's necessary in a "Castle Doctrine" State
like Florida. Your thoughts:

Thanks

July 08, 2020, 08:07 AM

71 TRUCK

My wife and I have had CCW Safe since the case of an individual (we will not mention his name) in central Florida was arrested and charged with murder when he should not have been.
He went to trial and was found innocent. We figure it cost him upwards of a half a million dollars. Not to many people I know can afford that bill and not be financially wiped out.
For us it is peace of mind.

The Second Amendment to the United States Constitution.

A well regulated militia being necessary to the security of a free state, the right of the people to keep and bear arms shall not be infringed.

As ratified by the States and authenticated by Thomas Jefferson, Secretary of State

NRA Life Member

July 08, 2020, 09:29 AM

FishOn

Would a standard liability umbrella policy be of use in this type of situation?

July 08, 2020, 09:59 AM

220-9er

Standard liability insurance likely wouldn't cover you for an intentional act.
For what it's worth..........
https://lawofselfdefense.com/u...ver-platinum-member/

None of them are true insurance and you need to really read the fine print to see what and when they cover you. Many won't provide any help unless you are found innocent first but you need the money upfront to pay for a good defense.
From what I've seen, if I was going to purchase any, CCW Safe is where I'd look first.

July 08, 2020, 10:02 AM

Jimbo54

quote:
Originally posted by FishOn:
Would a standard liability umbrella policy be of use in this type of situation?

I have an umbrella through Allstate and having checked with my agent about this, the answer was no.

Jim

July 08, 2020, 10:11 AM

tatortodd

quote:
Originally posted by 104RFAST:
Your thoughts:

1. If you're looking for numbers a poll is more effective than a post.
2. This thread happens every few months and will go like every ccw insurance thread before it.

https://sigforum.com/eve/forums...780017434#2780017434

https://sigforum.com/eve/forums...935/m/5030083224/p/1

https://sigforum.com/eve/forums...690078144#4690078144

https://sigforum.com/eve/forums...935/m/4880003064/p/1

July 08, 2020, 10:45 AM

bendable

Great job tatortodd

July 08, 2020, 11:39 AM

Skins2881

You might find this link helpful.

https://vcdl.org/Legal-Plans

July 08, 2020, 02:39 PM

LBTRS

I have CCW Safe's Ultimate Plan for piece of mind.

July 08, 2020, 03:40 PM

HRK

Buddy has one of these, talked about it all the time and asked me to join him at the course at a LGS. Interesting enough class, I saw it for what it was, not a safety training education as billed but a what if and whatcha gonna do when da big bad world comes for you, sales pitch.

Went through the course, while they call it insurance it's not insurance at all, none of them are registered insurance companies with any states, it's a pre-paid legal services agreement.

From what I can glean from the literature and course they are under no supervision nor governance of any state department of insurance, none... You have zero consumer protection under the laws of insurance in your state...

July 08, 2020, 04:37 PM

kramden

CCW SAFE is a good idea.

July 08, 2020, 04:44 PM

rscalzo

quote:
Originally posted by Jimbo54:
quote:
Originally posted by FishOn:
Would a standard liability umbrella policy be of use in this type of situation?

I have an umbrella through Allstate and having checked with my agent about this, the answer was no.

Jim

Same for State Farm.

July 08, 2020, 05:21 PM

LBTRS

quote:
Originally posted by HRK:
Buddy has one of these, talked about it all the time and asked me to join him at the course at a LGS. Interesting enough class, I saw it for what it was, not a safety training education as billed but a what if and whatcha gonna do when da big bad world comes for you, sales pitch.

Went through the course, while they call it insurance it's not insurance at all, none of them are registered insurance companies with any states, it's a pre-paid legal services agreement.

From what I can glean from the literature and course they are under no supervision nor governance of any state department of insurance, none... You have zero consumer protection under the laws of insurance in your state...

You have zero protection without it. So far, they performed the services that you are paying them to perform (for others) which is better than not having any protection.

July 08, 2020, 05:55 PM

ryan81986

quote:
Originally posted by Jimbo54:
quote:
Originally posted by FishOn:
Would a standard liability umbrella policy be of use in this type of situation?

I have an umbrella through Allstate and having checked with my agent about this, the answer was no.

Jim

Odd, when I had an umbrella through LM they said yes.

July 09, 2020, 08:46 AM

bendable

This months American Handgunner magazine has an article by
Mas Ayoob that includes a paragraph that addresses
what insurance might or might not
cover.

July 09, 2020, 08:56 AM

Rick Lee

Anyone have any first or second hand knowledge of cases where someone was put through the legal wringer, had one of these plans and how the plan performed?

July 09, 2020, 10:03 AM

Jimbo54

quote:
Originally posted by ryan81986:
quote:
Originally posted by Jimbo54:
quote:
Originally posted by FishOn:
Would a standard liability umbrella policy be of use in this type of situation?

I have an umbrella through Allstate and having checked with my agent about this, the answer was no.

Jim

Odd, when I had an umbrella through LM they said yes.

I have insurance with Allstate for auto, home and motorcycle and the umbrella only raises the liability amounts to 1 million dollars for those policies. Since those policies do not cover defensive shooting incidents the umbrella won't kick in.

Jim

July 09, 2020, 11:53 AM

Cliff

quote:
Originally posted by Jimbo54:
quote:
Originally posted by FishOn:
Would a standard liability umbrella policy be of use in this type of situation?

I have an umbrella through Allstate and having checked with my agent about this, the answer was no.

Jim

This. Umbrella at State Farm and my agent says no. Had USCCA since 2018.

"All great things are simple, and many can be expressed in single words: freedom, justice, honor, duty, mercy, hope."

--Sir Winston Churchill

"The world is filled with violence. Because criminals carry guns, we decent law-abiding citizens should also have guns. Otherwise they will win and the decent people will lose."

--James Earl Jones

July 09, 2020, 12:11 PM

Scuba Steve Sig

A plaintiff's attorney wants your money the easiest way possible. If they structure the personal injury petition to include an alternative allegation that you "accidentally" shot their client, your homeowner's policy and umbrella will likely cover you for duty to defend. They might only pay out if they get a verdict or settlement to that "accidental" allegation though. You'll likely receive a Reservation of Rights letter explaining what they will and will not pay for and your personal assets might not be protected in some instances of resolution of the case.

July 09, 2020, 01:19 PM

220-9er

quote:
Originally posted by Rick Lee:
Anyone have any first or second hand knowledge of cases where someone was put through the legal wringer, had one of these plans and how the plan performed?

^^^^
This is really the only test that counts.