yyyz Posted December 22, 2013 at 07:31 PM Share Posted December 22, 2013 at 07:31 PM Hopefully I am in the right forum. There is a lot of discussion about concealed carry, etc, but I haven't seen anything on insurance in case you actually have to use your gun. I am not in the insurance business, just believe that it may be something that needs to be evaluated. What is everyone planning to do? Will you go insurance naked? I ran across https://www.usconcealedcarry.com - anyone familiar with their plan or any other plans that might be worth reviewing? Link to comment Share on other sites More sharing options...
Craigcelia Posted December 22, 2013 at 07:45 PM Share Posted December 22, 2013 at 07:45 PM I plan on purchasing this:http://www.locktonrisk.com/nrains/defense.htm Link to comment Share on other sites More sharing options...
III Posted December 22, 2013 at 07:57 PM Share Posted December 22, 2013 at 07:57 PM I have U.S. Conceal Carry Link to comment Share on other sites More sharing options...
SFC Stu Posted December 22, 2013 at 08:04 PM Share Posted December 22, 2013 at 08:04 PM I've had it for several years. Hope I never have to use it! Link to comment Share on other sites More sharing options...
spec5 Posted December 22, 2013 at 09:19 PM Share Posted December 22, 2013 at 09:19 PM Hopefully I am in the right forum. There is a lot of discussion about concealed carry, etc, but I haven't seen anything on insurance in case you actually have to use your gun. I am not in the insurance business, just believe that it may be something that needs to be evaluated. What is everyone planning to do? Will you go insurance naked? I ran across https://www.usconcealedcarry.com - anyone familiar with their plan or any other plans that might be worth reviewing?I am glad you started this topic. I will be checking back with what others get or plan to get. I will also check to see how I am covered now. Link to comment Share on other sites More sharing options...
Mr. Fife Posted December 22, 2013 at 09:25 PM Share Posted December 22, 2013 at 09:25 PM Has anyone created a spreadsheet that compares the different offerings? Link to comment Share on other sites More sharing options...
InterestedBystander Posted December 22, 2013 at 09:54 PM Share Posted December 22, 2013 at 09:54 PM http://illinoiscarry.com/forum/index.php?showtopic=43516&hl= Sigma tried getting this going before but it didn't get far Link to comment Share on other sites More sharing options...
yyyz Posted December 22, 2013 at 10:10 PM Author Share Posted December 22, 2013 at 10:10 PM I plan on purchasing this:http://www.locktonri...ins/defense.htm Craigcelia... I am familiar with Lockton as an insurer - had lunch with three of their people from Atlanta last week. Could you expand on why you chose the NRA plan over the other options? Did you look at any other plans available? Link to comment Share on other sites More sharing options...
yyyz Posted December 22, 2013 at 10:16 PM Author Share Posted December 22, 2013 at 10:16 PM I just sent UsConcealedCarry.Com the following email... Should have my CCW permit by March (Illinois is always a little slow) and I'm comparing available insurance plans. Can you tell me what insurance company backs your plan? Do you have any type of comparison of your plan to other plans available? Thanks in advance for your consideration. Hope I get a response. If I do, I will post it Link to comment Share on other sites More sharing options...
3ddiver Posted December 22, 2013 at 11:40 PM Share Posted December 22, 2013 at 11:40 PM I have USCCA and keep hearing ads for CCW safe. I think that the USCCA only helps you after you are found not guilty, it reimburses you. It has been a while since I read it so that may have changed. Link to comment Share on other sites More sharing options...
Marie Posted December 22, 2013 at 11:43 PM Share Posted December 22, 2013 at 11:43 PM I know someone who has Second Call Defense insurance. http://www.secondcalldefense.org/ I took a quick look at it, and it seems they pay up front, not reimburse. Link to comment Share on other sites More sharing options...
papa Posted December 22, 2013 at 11:52 PM Share Posted December 22, 2013 at 11:52 PM Odd man out here I guess. I am not buying any insurance to exercise my right. Link to comment Share on other sites More sharing options...
xd9subcompact Posted December 22, 2013 at 11:56 PM Share Posted December 22, 2013 at 11:56 PM The NRA coverage that was linked to says reimbursement after acquittal of criminal charges. On the matter of civil liability, depending on how well off you are, the possibility of civil suits/damages are fairly low. First, IL has some pretty good self defense laws. Second, the injured party is going to want an attorney to take the case on contingency. As soon as the attorney figures out you are without a liability policy they will likely discourage the plaintiff since there I not likely to be any money at the end of the rainbow. Third, juries do not like awarding money that is to be taken from personal assets (unless they know you are flush with cash). They don't mind taking it from an insurance company. The irony is that having the policy can actually encourage the civil suit. Link to comment Share on other sites More sharing options...
ksninew Posted December 23, 2013 at 12:09 AM Share Posted December 23, 2013 at 12:09 AM I've been looking into this one. http://www.armedcitizensnetwork.org Link to comment Share on other sites More sharing options...
xd9subcompact Posted December 23, 2013 at 01:10 AM Share Posted December 23, 2013 at 01:10 AM That is the one that Ayoob is associated with. Link to comment Share on other sites More sharing options...
Aleks_CPI Posted December 23, 2013 at 01:38 AM Share Posted December 23, 2013 at 01:38 AM I'm deff staying posted to this thread :-) Link to comment Share on other sites More sharing options...
Craigcelia Posted December 23, 2013 at 01:45 AM Share Posted December 23, 2013 at 01:45 AM I plan on purchasing this:http://www.locktonri...ins/defense.htm Craigcelia... I am familiar with Lockton as an insurer - had lunch with three of their people from Atlanta last week. Could you expand on why you chose the NRA plan over the other options? Did you look at any other plans available? I like this one because you actually own the policy versus just being a pool member. I am pretty confident the NRA one isn't going to go defunct. That was my reasoning, yes I did look into othersm Sent from my SPH-L710 using Tapatalk Link to comment Share on other sites More sharing options...
mullet man Posted December 23, 2013 at 06:02 AM Share Posted December 23, 2013 at 06:02 AM Odd man out here I guess. I am not buying any insurance to exercise my right. Truth! Link to comment Share on other sites More sharing options...
BrowningHP Posted December 23, 2013 at 06:26 AM Share Posted December 23, 2013 at 06:26 AM nothing wrong with being overly cautious Link to comment Share on other sites More sharing options...
yyyz Posted December 23, 2013 at 09:47 AM Author Share Posted December 23, 2013 at 09:47 AM Maybe later today I'll make a list starting with the links already added and try to contact each by email. Any suggestions as to the appropriate questions to ask. One for sure is how and when payments are made and under what circumstances. Other suggestions... Here is another one... http://www.secondcalldefense.org/plans-and-pricing - insured through Lockton Affinity, LLC - appears to be the same company that the NRA uses. Link to comment Share on other sites More sharing options...
moon Posted December 23, 2013 at 03:33 PM Share Posted December 23, 2013 at 03:33 PM Does anyone else think that insurance is a scam? Why insure for a right? To protect yourself? Would not state laws exonerate one? To me insurance is a back door for compliance...a backdoor for more laws, a backdoor for more shenanigans by insurance companies, media outlets and politicians. What if they make insurance a requirement then make the rates through the roof. Is it just me being paranoid? Link to comment Share on other sites More sharing options...
yyyz Posted December 23, 2013 at 03:55 PM Author Share Posted December 23, 2013 at 03:55 PM Just my thoughts, but … If you have sufficient personal assets to meet the expenses, there is no need for insurance. And the law may indeed exonerate you from any liability. No insurance means that you will pay all the expenses out of pocket. However, if you shoot someone, you will almost certainly need a lawyer as you may be arrested as a precautionary measure by the police.While they investigate, you may want to post bond. And in this day and age, you will probably be sued by the person that is shot or his family members – remember, you may win in the end, but anyone can sue anyone and it will cost a lot of money even if you win. Link to comment Share on other sites More sharing options...
XJBluto Posted December 24, 2013 at 01:59 PM Share Posted December 24, 2013 at 01:59 PM I have a 1 million liability rider policy. Covers me in any liability situation. That's all I am doing. Link to comment Share on other sites More sharing options...
Drylok Posted December 24, 2013 at 02:36 PM Share Posted December 24, 2013 at 02:36 PM Have you guys read our justified use of force statutes? It happens somewhere around 5 or 10 thousand times a year. Do you think all those people had "conceal carry insurance"? None of us are going to do anything unjustified so why would you need insurance to protect yourself in case you have to do something none of us want to do but that is 100% legal? Link to comment Share on other sites More sharing options...
Mike Posted December 24, 2013 at 02:38 PM Share Posted December 24, 2013 at 02:38 PM I found this helpful but I haven't made a decision yet. http://hdfirearms.co...n-self-defense/ Link to comment Share on other sites More sharing options...
Drylok Posted December 24, 2013 at 02:39 PM Share Posted December 24, 2013 at 02:39 PM Just my thoughts, but … If you have sufficient personal assets to meet the expenses, there is no need for insurance. And the law may indeed exonerate you from any liability. No insurance means that you will pay all the expenses out of pocket. However, if you shoot someone, you will almost certainly need a lawyer as you may be arrested as a precautionary measure by the police.While they investigate, you may want to post bond. And in this day and age, you will probably be sued by the person that is shot or his family members – remember, you may win in the end, but anyone can sue anyone and it will cost a lot of money even if you win. (b - In no case shall any act involving the use of force justified under this Section give rise to any claim or liability brought by or on behalf of any person acting within the definition of "aggressor" set forth in Section 7 4 of this Article, or the estate, spouse, or other family member of such a person, against the person or estate of the person using such justified force, unless the use of force involves willful or wanton misconduct. Link to comment Share on other sites More sharing options...
WtJen Posted December 24, 2013 at 03:09 PM Share Posted December 24, 2013 at 03:09 PM Insurance isn't about the right to carry. Its to protect you from the aftermath should you have to employ your right to carry. Here is the deal, I like most people don't have an attorney on retainer. In the event I am involved in a self-defense shoot, I want a criminal defense attorney there(Not a public defender in the bottom 10% of his class), I want to be bonded out, and I don't want to deplete all my savings to defend myself from an prosecutor run amok. I don't worry about this in Madison County but should I ever have to defend myself in Cook County, you are darn right I want the insurance. Remember Zimmerman? He was released that night, but after the media and the usual suspects bit into the story, he got arrested. Chicago-land is full of publicity hound prosecutors, cops and civil rights activists. Link to comment Share on other sites More sharing options...
spec5 Posted December 24, 2013 at 03:30 PM Share Posted December 24, 2013 at 03:30 PM I have a 1 million liability rider policy. Covers me in any liability situation. That's all I am doing.Who do you have your insurance with? Does it allow liability for intentional acts? Link to comment Share on other sites More sharing options...
WtJen Posted December 24, 2013 at 03:33 PM Share Posted December 24, 2013 at 03:33 PM Being covered by liability is not the same as insurance for being bonded out of jail, a criminal defense attorney, and trial costs. Link to comment Share on other sites More sharing options...
sangiovese Posted December 24, 2013 at 03:41 PM Share Posted December 24, 2013 at 03:41 PM Anybody who is counting on their home insurance policy or Umbrella policy should read all of the fine print and contact their insurance agent. Some policies will cover bodily injury for acts of self-defense and others will not. Some will cover additional expenses and others will not. It's best to be VERY certain about your policy before assuming it will protect you in self-defense situations Link to comment Share on other sites More sharing options...
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