How do you feel about CCW insurance? Do you have coverage?

This is a very interesting post. I hadn't ever thought of this or known that it was a thing so I don't myself have insurance. Would I get it? To be honest probably not, since if I act within the law I should be insured enough. However, I'm sure there are plenty of people that feel differently. On top of which, even though you act within the law you will need to cover legal fees which is the basis of this insurance.
 
Yes like you, i never thought about it either. Its the civil suits and that aspect that makes me consider doing this. Even if we are acting within the law, we can be sued by the opposing family members etc, and the financial cost of that would be more than most of us could bare.
 
I looked in to this form of insurance but there are some catches and strings attached to most policies. Most will not pay unless you are found not guilty, acquitted, etc. Most do not pay until you are found not guilty, acquitted, etc. Many only provide advice and not an attorney at court. I recommend you have a lawyer on a retainer that is or has a partner available 24/7 and specializes in CCW cases..
 
I have a one million dollar personal liability umbrella policy attached to my homeowners insurance that I arranged for this purpose.
 
I am a member of USCCA. If I have to defend myself, most likely it will be at work. I can't lose my job and have big bills. After the criminal process is finished, then comes the civil proceedings. Change of venue can make or break civil action.
 
ccw safe

a local lawyer does not do me much good if I am traveling.

having good advice before something happens has value.

having 250.000 in bail coverage,a lawyer on site with a remote lawyer specializing in gun law and a contact to provide advice between the 911 and the police arriving, gives me some piece of mind.

If an event happens, I am sure they will do an investigation before much time or money is spent but so long as I do my part, I think having a lawyer on the front end of an event could be priceless.

I am not affiliated with ccw safe but I did research several companies before choosing them. others look similar and probably as good.

for sure it is a waste of money just like car and house insurance. :D

https://ccwsafe.com/comparison-ccw-safe-vs-uscca-2/
https://ccwsafe.com/comparison-ccw-safe-vs-second-call-defense/
 
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About a month after I received my Illinois CCL, I seriously investigated an "insurance" plan. I ended up with CCW Safe. I'm no expert, but they seemed like the best one out there. I hope I didn't fall for hype, and hope even more I never need their services.
 
Up until recently I'd never thought about it. I read an email from the NRA discussing the new NRA-endorsed CCW insurance. I'm considering signing up for it.

Here is the link:

https://mynrainsurance.com/insuranc...891.249205283.1456316420&segmentcode=dbd03218


In my state, after some discussions with friends who are in law enforcement and legal professions, it is apparently common for individuals involved in self-defense shootings to face significant legal fees, even if they ARE found not guilty (or if their case, for some reason, never proceeds to trial). The only time this is not so is if they are not charged. (And even in this case it would seem logical to me to hire an attorney before even speaking with law enforcement - so there would be SOME costs regardless.)

Like everyone, I hope that I never have to ever use a weapon in self-defense. But if that event ever occurred, the trauma would be compounded by having to pay tens of thousands of dollars in legal fees.

I haven't completed a thorough review yet, but an insurance policy to protect against ruinous legal expenses is definitely something I would consider.
 
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Texas Civil Practice and Remedies Code § 83.001

Steve4102 asked about any state with civil immunity
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Texas sort of does:

Immunity from Damages Tex. Civil Practice and Remedies Code § 83.001
A defendant who uses force or deadly force that is justified under Chapter 9, Penal Code, is immune from civil liability for personal injury or death that results from the defendant's use of force or deadly force, as applicable.

If you are in Austin, where much of Texas law is not followed, you're much more likely to be persecuted and prosecuted for any gun-based self defense action.
 
I have a one million dollar personal liability umbrella policy attached to my homeowners insurance that I arranged for this purpose.
Click to expand...

I think that would only cover a civil suit against you.
Does this give you any protection from legal expenses if criminally charged?
 
I too am a USCCA member. Along with the cool magazine they send every 3 months.
I like the idea of a one call gets the ball rolling. I keep the card in my wallet right along with my carry permit.
I cant attest to how well the service performs since I have not needed to use it yet, and I hope I never do.
I suppose I could call the number once and see who picks up....:rolleyes:

After looking around a bit. When my subscription to USCCA expires I may try CCW Safe. Looking at this comparison ( provided by CCW Safe) They seem to be a little more hands on after a event happens. Might be worth a closer look any way.

https://ccwsafe.com/comparison-ccw-safe-vs-uscca-2/
 
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Washington has a civil immunity law, as well. There are some vocal activists that want to change that. They're riding on the police/minority headlines, trying to get liability for the police. By extension, that will be civilians, before anyone else.
 
I don't know COZ, but I don't think that's an impartial article. Looks like CCW Safe article or advertisement to me. Not sure if it's an impartial comparison.
 
Just started reading about this and I really like some of the CCW Safe's options and features - specially attorney fees being paid, dual coverage discount (2 adults same res.), permitted coverage for reciprocity.
 
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