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Insurance for Concealed Carry

Cancealed Carry Insurance

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#1 yyyz

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Posted 22 December 2013 - 01:31 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?

#2 Craigcelia

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Posted 22 December 2013 - 01:45 PM

I plan on purchasing this:
http://www.locktonri...ins/defense.htm
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#3 III

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Posted 22 December 2013 - 01:57 PM

I have U.S. Conceal Carry

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"Those who would give up essential liberty to purchase a little temporary safety, deserve neither liberty nor safety." - Benjamin Franklin

"Firearms stand next in importance to the constitution itself. They are the American people's liberty teeth and keystone under independence … from the hour the Pilgrims landed to the present day, events, occurrences and tendencies prove that to ensure peace security and happiness, the rifle and pistol are equally indispensable … the very atmosphere of firearms anywhere restrains evil interference — they deserve a place of honor with all that's good." - George Washington


#4 SFC Stu

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Posted 22 December 2013 - 02:04 PM

I've had it for several years. Hope I never have to use it!

#5 spec5

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Posted 22 December 2013 - 03:19 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.
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#6 Mr. Fife

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Posted 22 December 2013 - 03:25 PM

Has anyone created a spreadsheet that compares the different offerings?

Illinois Concealed Carry Firearms Instructor
Utah Concealed Carry Firearms Instructor
NRA Basic Pistol Instructor
NRA Range Safety Officer
Have all boated who fish? Have all boated who fish?


#7 InterestedBystander

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Posted 22 December 2013 - 03:54 PM

http://illinoiscarry...topic=43516&hl=

Sigma tried getting this going before but it didn't get far
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#8 yyyz

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Posted 22 December 2013 - 04:10 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?

#9 yyyz

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Posted 22 December 2013 - 04:16 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

#10 3ddiver

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Posted 22 December 2013 - 05:40 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.

#11 Marie

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Posted 22 December 2013 - 05:43 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.

#12 papa

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Posted 22 December 2013 - 05:52 PM

Odd man out here I guess. I am not buying any insurance to exercise my right.

#13 xd9subcompact

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Posted 22 December 2013 - 05:56 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.

Edited by xd9subcompact, 22 December 2013 - 05:57 PM.


#14 ksninew

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Posted 22 December 2013 - 06:09 PM

I've been looking into this one.

http://www.armedcitizensnetwork.org

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#15 xd9subcompact

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Posted 22 December 2013 - 07:10 PM

That is the one that Ayoob is associated with.

#16 Aleks_CPI

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Posted 22 December 2013 - 07:38 PM

I'm deff staying posted to this thread :-)

#17 Craigcelia

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Posted 22 December 2013 - 07:45 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?


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

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#18 mullet man

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Posted 23 December 2013 - 12:02 AM

Odd man out here I guess. I am not buying any insurance to exercise my right.


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#19 BrowningHP

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Posted 23 December 2013 - 12:26 AM

nothing wrong with being overly cautious

#20 yyyz

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Posted 23 December 2013 - 03:47 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.secondcal...ans-and-pricing - insured through Lockton Affinity, LLC - appears to be the same company that the NRA uses.

#21 moon

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Posted 23 December 2013 - 09:33 AM

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?
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#22 yyyz

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Posted 23 December 2013 - 09:55 AM

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.

#23 XJBluto

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Posted 24 December 2013 - 07:59 AM

I have a 1 million liability rider policy. Covers me in any liability situation. That's all I am doing.

#24 Drylok

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Posted 24 December 2013 - 08:36 AM

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?
"A strong body makes the mind strong. As to the species of exercises, I advise the gun. While this gives moderate exercise to the body, it gives boldness, enterprise and independence to the mind. Games played with the ball, and others of that nature, are too violent for the body and stamp no character on the mind. Let your gun therefore be your constant companion of your walks"
-Thomas Jefferson-

Now two flags fly above my land that really sum up how I feel. One is the colors that fly high and proud the red, the white, the blue. The other ones got a rattle snake with a simple statement made, don't tread on me, is what it says and I'll take that to my grave
-Aaron Lewis-

#25 Mike

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Posted 24 December 2013 - 08:38 AM

I found this helpful but I haven't made a decision yet.

http://hdfirearms.co...n-self-defense/

Edited by Mike, 24 December 2013 - 08:39 AM.


#26 Drylok

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Posted 24 December 2013 - 08:39 AM

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.
"A strong body makes the mind strong. As to the species of exercises, I advise the gun. While this gives moderate exercise to the body, it gives boldness, enterprise and independence to the mind. Games played with the ball, and others of that nature, are too violent for the body and stamp no character on the mind. Let your gun therefore be your constant companion of your walks"
-Thomas Jefferson-

Now two flags fly above my land that really sum up how I feel. One is the colors that fly high and proud the red, the white, the blue. The other ones got a rattle snake with a simple statement made, don't tread on me, is what it says and I'll take that to my grave
-Aaron Lewis-

#27 WtJen

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Posted 24 December 2013 - 09:09 AM

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.

Edited by WtJen, 24 December 2013 - 09:20 AM.

The only power any government has is the power to crack down on criminals. Well, when there aren't enough criminals, one makes them. One declares so many things to be a crime that it becomes impossible for men to live without breaking laws.--Ayn Rand


#28 spec5

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Posted 24 December 2013 - 09:30 AM

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?
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#29 WtJen

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Posted 24 December 2013 - 09:33 AM

Being covered by liability is not the same as insurance for being bonded out of jail, a criminal defense attorney, and trial costs.

The only power any government has is the power to crack down on criminals. Well, when there aren't enough criminals, one makes them. One declares so many things to be a crime that it becomes impossible for men to live without breaking laws.--Ayn Rand


#30 sangiovese

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Posted 24 December 2013 - 09:41 AM

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




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