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Concealed Carry Insurance?


NacsMXer

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Now that some of us have our permits in hand, I was wondering who else is thinking about some type of insurance/legal service to cover your legal expenses in the event that you have to lawfully use your CCW.

 

I have done some research so far and have looked at CCW Safe, USCCA, Armed Citizens Legal Defense Network, etc. I'm still undecided as far as which route I want to go with.

 

What are you fellow responsibly armed citizens planning on going with?

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NRA has through Lockton but they reimburse you, you have to pay upfront. I don't know all the details. Armed citizens legal defense network isn't really insurance. ACLDN pays $10k retainer to your lawyer and the rest is on you. However you may apply for an ACLDN grant to pay for the rest, but there is no guarantee you'll get it.

 

There are others like SPRISKA, and I am sure a ton I am not familiar with. I haven't yet looked into CCW Safe or USCCA yet.

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The main benefit of the ACLDN is their expert witness board - Massad Ayoob, John Farnam, Dennis Tueller, Jim Fleming, Tom Givens & others(all of which are available to you at no cost during your legal defense), and their ability to get legal defense started immediately after an incident. Basically they will help with winning your legal battle. All of those guys are huge names who can make a significant impact on the trial proceedings. Also their educational dvds are really helpful. I wouldn't rely on them however as an insurance fund. While they may decide to re-imburse you, that really isn't the point of the organization. I have the NRA lockton insurance as well to cover that.

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Armed Citizens Legal Defense Network

 

This was a great investment if only for the training. With your first membership they send you 5 (or 6) DVDs ranging in topics from awareness and self defense to how to deal with the LEO and emotional impact of a defensive gun use.

 

Not exactly insurance though. They will provide up to 10K ASAP to retain an attorney and begin investigations for you. If you need it, they will also dispatch a team lead to you for "boots on the ground". Consultations and expert witnesses will to available to your attorney.

 

Now, while not insurance, there is a defense fund that the board can decide to use to cover your defense. They make no promises, but reading between the lines, it seems that if they agree that you situation was justified - you'll probably get help.

 

Along with this, I added USCCA basic level to augment and provide more civil protection.

 

Mark

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Does anyone else think that by having one of these coverages, would make you look bad in court?

 

 

After seeing what Zimmerman went through....I don't know.

....all I do know is that I personally do not have the level of cash on hand to fight some over-zealous prosecutor.

 

 

Either way, I hope to never need to use it. And, I would rather piss that money away on some sort of SHTF insurance policy than at the local boats/casino.

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Does anyone else think that by having one of these coverages, would make you look bad in court?

Does having fire insurance make you look bad in court if your house burns down? How about an umbrella liability policy when somebody falls on your front steps? Modifying your trigger to a very light pull makes you look bad in court. Those signs that say "There is nothing in here that is worth your life" make you look bad in court. Having coverage for self-defense incidents is simply smart.

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Does anyone else think that by having one of these coverages, would make you look bad in court?

Does having fire insurance make you look bad in court if your house burns down? How about an umbrella liability policy when somebody falls on your front steps? Modifying your trigger to a very light pull makes you look bad in court. Those signs that say "There is nothing in here that is worth your life" make you look bad in court. Having coverage for self-defense incidents is simply smart.

 

+1

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Does anyone else think that by having one of these coverages, would make you look bad in court?

Does having fire insurance make you look bad in court if your house burns down? How about an umbrella liability policy when somebody falls on your front steps? Modifying your trigger to a very light pull makes you look bad in court. Those signs that say "There is nothing in here that is worth your life" make you look bad in court. Having coverage for self-defense incidents is simply smart.

 

+1

 

 

I'm pretty sure they don't allow Insurance to be discussed in a civil liability case, it is considered prejudicial to the jury. Might be different in a criminal case.

 

I'm not a lawyer, and I'm prepared to be proven incorrect.

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My home owners says they'll cover me what ever that means.

 

I doubt very much they would cover legal fees to defend a DGU or an over zealous prosecutor. About all they would cover are the guns themselves and possibly a civil suit for an accidental shooting. Home owners insurance very rarely if ever cover criminal matters.

 

 

Sent from my iPhone using Tapatalk

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