I'm Looking For Information On Liability Insurance For Concealed Carriers......I'd Like Some Protection Against A Possible Accident Or A Law Suit Filed Against Me .... I'd Appreciate Any Information You Could Send My Way...Certainly This Has Got To Be A Point Of Interest For All Of Us Who Are Civilian Carriers.....Does Liability Coverage Exits ?? If So, Company Name ?? I Appreciate Hearing From Any And All... Thanks......
Liability Insurance !!!!
- Thread starter bluemax77
- Start date
toybox99615
New member
NRA?
Maybe NRA has something available. Good guestion bluemax77.
Maybe NRA has something available. Good guestion bluemax77.
Tennessee Gentleman
New member
Insurance
Remember though, one of the biggest reasons to have liability insurance is for defense costs which could be substantial. I used to sell P&C insurance and asked a VP (company will remain unnamed) if my homeowner's would cover me in a shoot. He said maybe if in the house, but not sure outside. He told me a story of a guy who shot the garbage man outside his home thinking he was a burglar, but since it was intentional and not accidental then the HOI did not cover him. I wouldn't count on HOI. I thought the NRA had something.
Remember though, one of the biggest reasons to have liability insurance is for defense costs which could be substantial. I used to sell P&C insurance and asked a VP (company will remain unnamed) if my homeowner's would cover me in a shoot. He said maybe if in the house, but not sure outside. He told me a story of a guy who shot the garbage man outside his home thinking he was a burglar, but since it was intentional and not accidental then the HOI did not cover him. I wouldn't count on HOI. I thought the NRA had something.
Your homeowoners policy will cover you for accidents. It will not cover you for intentional acts.
I like to cite a famous case, that of one William Jefferson Clinton, who was sued by a young lady for shall we say, disputed acts...
He had two separate Umbrella policies (personal liability extension policies) and as I understand it his defense costs were split by the two carriers, but the settlement he made with Miss Jones was not paid by them as it was determined his acts were intentional and not accidental.
So if you accidentially shoot a bystander, you most likely have coverage, but if the person you are trying to shoot sues, you're out of luck.
Contract language varies from company to company, YMMV.
I like to cite a famous case, that of one William Jefferson Clinton, who was sued by a young lady for shall we say, disputed acts...
He had two separate Umbrella policies (personal liability extension policies) and as I understand it his defense costs were split by the two carriers, but the settlement he made with Miss Jones was not paid by them as it was determined his acts were intentional and not accidental.
So if you accidentially shoot a bystander, you most likely have coverage, but if the person you are trying to shoot sues, you're out of luck.
Contract language varies from company to company, YMMV.
Gentlemen--------- I appreciate the responses..
Gentlemen --- I read your responses and I do wish to add--that I'm not looking to play games about liability coverage-- good shoot -- so what--you are still open for a law suit by the family of the injured or dead...In most cases-- one will need a defense..... I want liability to cover me in any situation...In todays world--- a law suit is second nature.. People come after your holdings regardless-- An attorney is a necessity.. I'm looking for some sort of coverage to back me up legally and financially.....If ever any of you run across an organization offering such coverage-- I'd appreciate hearing from you....Your opinions appreciated....Max
Gentlemen --- I read your responses and I do wish to add--that I'm not looking to play games about liability coverage-- good shoot -- so what--you are still open for a law suit by the family of the injured or dead...In most cases-- one will need a defense..... I want liability to cover me in any situation...In todays world--- a law suit is second nature.. People come after your holdings regardless-- An attorney is a necessity.. I'm looking for some sort of coverage to back me up legally and financially.....If ever any of you run across an organization offering such coverage-- I'd appreciate hearing from you....Your opinions appreciated....Max
That's only if you live in a jurisdiction that doesn't preclude such suits. My state and many other states protect honest citizens from lawsuits such as you describe.
What state are you in? Do you understand your state's laws regarding these matters?
The nearest thing to what you're trying to achieve is pre-paid legal services. If I did need a lawyer, I'd want a REAL lawyer, and not somebody who'd participate in a pre-paid deal.
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reply to Alleykat; Dipper; & 1911
I did not intend this to be a joke..... Alleycat; Dipper; & 1911....
I would hope the three of you have "Auto--Home & Health Insurance".. None of us are looking for something for nothing -------- Just trying to receive assistance for our needs...........Nothing more intended with purchase of Libility Insurance for CCW..........Nothing More----- Looking for something for nothing---- not hardly--------- just looking ahead for potential trouble-- much like "Katrina" ---------- Anyone with half a brain is always looking to protect their interest with coverage available.....Not to take advantage of the system nor the Government -- as some of you cutie pies assume ---------- I'm from Louisiana-------- If your ass don't carry here in New Orleans ---- you are looking for trouble.... UNDERSTAND NOW ???????? Or is that over some of your heads ????
I hope this meets with spelling--capitalization and sentence structure for you nitwits.....keep your sense of humor now----- all you perfectionist........
I did not intend this to be a joke..... Alleycat; Dipper; & 1911....
I would hope the three of you have "Auto--Home & Health Insurance".. None of us are looking for something for nothing -------- Just trying to receive assistance for our needs...........Nothing more intended with purchase of Libility Insurance for CCW..........Nothing More----- Looking for something for nothing---- not hardly--------- just looking ahead for potential trouble-- much like "Katrina" ---------- Anyone with half a brain is always looking to protect their interest with coverage available.....Not to take advantage of the system nor the Government -- as some of you cutie pies assume ---------- I'm from Louisiana-------- If your ass don't carry here in New Orleans ---- you are looking for trouble.... UNDERSTAND NOW ???????? Or is that over some of your heads ????
I hope this meets with spelling--capitalization and sentence structure for you nitwits.....keep your sense of humor now----- all you perfectionist........
Bluemax:
It would be a lot easier for us to read and understand whatever it is that you are trying to say if you would correctly use punctuation. It would also be nice if you would use complete sentences. There is a reason that rules were developed for capitalization and punctuation. And by the way, calling me a nitwit is not likely to get me to help you.
It would be a lot easier for us to read and understand whatever it is that you are trying to say if you would correctly use punctuation. It would also be nice if you would use complete sentences. There is a reason that rules were developed for capitalization and punctuation. And by the way, calling me a nitwit is not likely to get me to help you.
bluemax: Nothing that I wrote was intended to be my response to a joke. I offered you the best advice that I could give. Generally, the kind of insurance that you want doesn't exist. I mentioned pre-paid legal services. Does that sound like a joke, to you?
I also mentioned that many states have laws that protect citizens from lawsuits filed in legitmate cases of s.d. Does that sound like a joke to you?
What is a joke is that you live in a place run by a group of dumbass DemocRATs who couldn't pour piss out of a boot, if the instructions were written on the heel. Can't help you much with that. Maybe Mayor Nagin can.
I also mentioned that many states have laws that protect citizens from lawsuits filed in legitmate cases of s.d. Does that sound like a joke to you?
What is a joke is that you live in a place run by a group of dumbass DemocRATs who couldn't pour piss out of a boot, if the instructions were written on the heel. Can't help you much with that. Maybe Mayor Nagin can.
Wow Alleykat, don't sugar coat it, tell us how you really feel.
Bluemax, I sue all types of individuals with all types of insurance companies, and I am not aware of the kind of coverage you are looking for actually exists.
A personal umbrella policy is pretty cheap, the only requirements usually are that you have a minimum of $250/500 auto liability insurance.
If you are serious, check out Lloyd's of London.
Bluemax, I sue all types of individuals with all types of insurance companies, and I am not aware of the kind of coverage you are looking for actually exists.
A personal umbrella policy is pretty cheap, the only requirements usually are that you have a minimum of $250/500 auto liability insurance.
If you are serious, check out Lloyd's of London.
Thanks !!! Appreciate All The Good Advice...?
I Really Don't Need To Go Further.... I Think Most Of You Summed It Up Well....There's No Such Animal Available .. Agreed....Perhaps There Should Be --- Maybe One Of These Days....
Regarding New Orleans Politics ----------- It's That Way In Most Large Cities ---- With Democrat Leadership ----
U R Too Much 1911, HaHa !!!
Have A Great 2008--- All Of Ya !!! Max
I Really Don't Need To Go Further.... I Think Most Of You Summed It Up Well....There's No Such Animal Available .. Agreed....Perhaps There Should Be --- Maybe One Of These Days....
Regarding New Orleans Politics ----------- It's That Way In Most Large Cities ---- With Democrat Leadership ----
U R Too Much 1911, HaHa !!!
Have A Great 2008--- All Of Ya !!! Max
Marty Hayes
New member
Bluemax77:
You might be interested in the following:
www.armedcitizensnetwork.org
Also, understand that auto, home, life insurance etc. insures against unforeseen, unintentional acts. You are asking for insurance against the purposeful act of killing another human being, which is an intentional act. For example, your home insurance policy will not cover you if you purposefully set fire to your own home, but if you accidently catch it on fire while BBQing, no problem.
Now, having said the above, the NRA does have a liability insurance policy that you might want to look into, but be sure to check out the limits of coverage.
Marty Hayes, President
The Armed Citizen's Legal Defense Network, LLC.
You might be interested in the following:
www.armedcitizensnetwork.org
Also, understand that auto, home, life insurance etc. insures against unforeseen, unintentional acts. You are asking for insurance against the purposeful act of killing another human being, which is an intentional act. For example, your home insurance policy will not cover you if you purposefully set fire to your own home, but if you accidently catch it on fire while BBQing, no problem.
Now, having said the above, the NRA does have a liability insurance policy that you might want to look into, but be sure to check out the limits of coverage.
Marty Hayes, President
The Armed Citizen's Legal Defense Network, LLC.