NFOA MEMBERS FORUM
General Categories => Survival/Emergency Preparedness => Topic started by: Trigger on February 16, 2016, 10:20:44 AM
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I was just wondering if any of you have insurance to cover you should you ever have to use your weapon in self defense. Supposedly, some plans will find you a lawyer and provide so much towards bail, attorney fees, court costs, etc. Who would you recommend going through? USCCA, Armed Citizens' Legal Defense Network? The NRA I think provides some as well. Any thoughts?
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When I started out, it was recommended to have a personal liability policy, which I have thru Farm Bureau for next to nothing per month.
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When I started out, it was recommended to have a personal liability policy, which I have thru Farm Bureau for next to nothing per month.
Is that the so called "umbrella policy"?
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I'd recommend checking into The Armed Citizens' Legal Defense Network. Lots of educational DVDs and a couple of books come with membership. I believe it's 125 a year now. I have a $25 discount code that I'm pretty sure is still good if you're interested.
They actually have a buyers guide on their website: http://www.armedcitizensnetwork.org/index.php/learn/307-buyers-guide (http://www.armedcitizensnetwork.org/index.php/learn/307-buyers-guide)
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I went with the USCCA. They pay all of my expenses without me having to prove my innocence first. They have training materials and it comes with a subscription to Concealed Carry magazine as well.
$1.2M in total coverage for $30/month. Also, my family is covered if something happens in the house and they have to use one of my guns. Outside the house it's all me.
https://www.usconcealedcarry.com/ (https://www.usconcealedcarry.com/)
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I went with ACLDN.
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Is that the so called "umbrella policy"?
I ask because I'm curious if anyone knows of a major insurance company that offers an umbrella policy which does not exclude self defense. I have heard that a lot of them do. I have USAA for home and auto and should ask about that.
An umbrella policy without a self defense exclusion would seem to be a LOT better value than some piddly dink outfit offering a policy based on the tiny probability of using a gun in self defense. I mean, if you live a good clean life, work hard so you can reside in a halfway decent neighborhood, and use common sense and situational awareness, we're probably talking about a probability of one in many millions. And what happens if you use a frying pan or baseball bat in self defense? Not covered?
And then there's the perception that you bought a policy exclusively for shooting people, which might prove more of a legal liability than an asset in the end.
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ask because I'm curious if anyone knows of a major insurance company that offers an umbrella policy which does not exclude self defense. I have heard that a lot of them do. I have USAA for home and auto and should ask about that.
An umbrella policy without a self defense exclusion would seem to be a LOT better value than some piddly dink outfit offering a policy based on the tiny probability of using a gun in self defense. I mean, if you live a good clean life, work hard so you can reside in a halfway decent neighborhood, and use common sense and situational awareness, we're probably talking about a probability of one in many millions. And what happens if you use a frying pan or baseball bat in self defense? Not covered?
Give USAA a call and review your home owner policy. Many of them actually have a SD clause attached. HOWEVER, the commonly provide reimbursement.
And then there's the perception that you bought a policy exclusively for shooting people, which might prove more of a legal liability than an asset in the end.
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Thanks guys!! Appreciate the info!
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And then there's the perception that you bought a policy exclusively for shooting people, which might prove more of a legal liability than an asset in the end.
A competent lawyer can fix that. A counter argument would be that buying more car insurance than the state minimum demonstrates financial prudence rather than the intent to drive recklessly.
ACLDN has some good people, such as Massad Ayoob, associated with it. Think of them as a skilled support network rather than simple insurance.
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I'm going with USCCA. Impressed with their plans and what they cover. I love the magazine (which I already have) and the Challenge Coin is pretty cool, too. The big selling point for me was how they approach a self-defense shooting. They make sure you realize that your life will never be the same again, no matter how it turns out. You'll probably go to jail, so they help with bail. You'll need a lawyer right away, so they get one lined up for you. You'll loose your weapon, they help to get it back. Lots of little details that you wouldn't normally think about or realize unless you worked in the criminal justice system yourself. But my best advice is to do your own research and go with whatever you're most comfortable with. Eventually, you'll find one that stands out to you.