Posted: 10/20/2005 7:02:53 AM EDT
|
I just wrote a check and dropped off my certification to my county sheriff's office the other day. 45 days or less until I get my CCW permit. I know there are a lot of CCW'ers throughout the state and country, but rarely do you hear of them using their weapons in self defense. But in the event they do, no matter what happens there is a high likelyhood that they will be sued by the attacker/suspects family no matter how crazy the guy was, there's always a money hungry lawyer out there to make the bad guy look innocent. Often this will cause the one who holds the CCW license a ton of money in court costs, anywhere from a few grand to his house. I don't think it's fair but that's the way this messed up country's legal system works. What I would like to know is if anyone offers CCW'ers insurance for such an event just like your local agent offers auto insurance. I imagine with such a high ratio of people who carry vs. the likelyhood they will use their weapon and be sued over it, would make premiums very low. I'd easily pay $50-100 a year for something like this if I could get a policy with limits similar to what I get on my cars ($100,000-$300,000) |
|
Pre-Paid Legal is a joke. Compare and contrast: Umbrella Policy: usually 1 MILLION dollars of coverage on top of your homeowners and autos liabaility. If a persson has to use their weapon in self defense and they are taken to court for civil damages, do you think the insurance company would be footing the legal bill if they were on the hook for 1 million + dollars??? You better believe it. This pre-paid legal pays for your defense (just like the insurance company), but if you LOSE they walk away. They dont have to pay for jack squat. The insurance company will not only foot the legal bills, but they pay off the shit-ball's family for their "loss". Dont mess with that kind of crap. Go to your insurance agent and buy an umbrella policy. Some companies call it a blanket policy. Pre-Paid Legal is a joke. BTW... umbrella policies here in Iowa cost $12 to 20 a month (depending on driving record, etc). Not bad for an extra million in coverage, eh? How do I know this??? I am an agent for Farmers Insurance Group (3rd largest insurer in US). That is how. 
|
Will the umbrella only cover a self defense shooting in the home or on the property? Or would it apply on public property or outside of the residence? |
I’ve got an umbrella policy with another company that I’ve always figured it didn’t cover self-defense situations. I (naturally) can’t find the policy at the moment and haven’t read it years, but there is something in it that gave me the impression the company had a loophole of some sort. So a Farmers Insurance Group blanket policy would cover a legitimate use-of-deadly force situation? |