Does anyone have firearm insurance just in case they ever have to use their firearm? If so, who do use use?
I have personal liability insurance through USAA that is supposed to protect me from legal fees, including those incurred should I ever be required to actively defend myself against a violent assault.
Would that cover you in the event of an accident, where you shot someone? I suppose you could be sued for medical fees or, worse case, funeral expenses, or other damages such as loss of employment?
It Depends on your jurisdiction, most States have pre-empted any Civil law suits for damages, if it was indeed a legitimate instance of personal defense and you kill your attacker.
No, I was thinking of a genuine accident. Let's say you thought someone was breaking into your house but it was a utility worker, or you were attacked and shot an innocent bystander by mistake, something like that.
Cases like that are decided based on culpability and I have scant knowlege in those cases, you would need a good defense Attourney first.
I would have thought it was common knowledge. After all, accidents happen and you could be liable for heavy damages if you carry a gun and something goes wrong.
Whether to carry insurance is the decision of the gun owner. Why should it be a requirement in excersizing a constitutional right? There are all sorts of situations where an individual could injure a bystander, from running a lawnmower, using a ladder, a chainsaw, etc. should each require insurance?
For sure it is the decision of the gun owner. I didn't say it should be required, I merely pointed out the possible costs involved. That's what I was trying to find out, whether PLI would cover accidents with your gun. Any other situations would be off-topic.
It is not common knoweledge, and I can tell you of related LE incidents, a 19 year Police Veteran responding to a shots fired / crys for help 911 call, a boy bursts out if an Apartment holding a cap pistol, he does not drop it when told, starts to raise it and gets shot, and dies. I remember comming home tired, wanted a nap before getting my own supper, it was Summer and I had opened a window to let in air, I see the curtains parting and a head appear, I drew and waited a bit, it was the super's wife ! A neighbor had locked herself out and the super's wife climbed into the wrong apartment. The purpose of this disscusion is to show, you need to be aware of why and what you shoot, no amount of insurance can replace good judgement. Fear is not enough reason or justification to shoot, fear often clouds, even replaces good judgement, and I have seen it happen.
Lots of private investigators and private security get liability insurance that should in theory work just as well for concealed carry.
The purpose of this discussion is insurance, that's why the thread title is what it is. I assumed that people who carry lethal weapons would understand their liabilities. So suppose you'd actually shot that poor woman. What would the situation have been?
In my state this is not an issue. CFP holders fairly regularly make citizens' arrests and stop robberies here. The local laws of stand your ground and castle doctrine make "insurance" redundant. Nobody can avoid a frivolous lawsuit. And that's precisely why I train for double and quadruple traps. "Insurance" would only encourage frivolous lawsuits. It's called deep pockets.
I would suppose it would look like liability auto insurance. You carry a liability if you are culpable of an accident but you still get monetary protection to a degree. On the other hand if you are committing criminal acts then no such protection would exist....JMHO though.
Most likely justified, she was a stupid person in every way of her personal life, as I knew her well. Poor woman was not the correct description, poor me, more appropriately, if I had fired. Insurance is always good, however, so is an open minded conversation, so far, it is one sided Should be less than $ 100 a month if I remember correctly.
That is why deadly force is legally a last response, not a first response. You do not discharge a firearm for no reason. Actions have consequences, and if one choose to engage in stupidity, they will suffer the consequences of their actions. If the shooting was unjustified, charges of manslaughter or murder would be the situation.
Subject is CARRY INSURANCE and if so who do you use AND nothing else. JUST a REAL simple question. didn't ask for legalese, stand your ground, or what happens if I shoot a thug in the arse. I just want to find out which company anyone may be using Take sidebar conversations to a new thread...
Sure, with an attitude like yours, and a huge chip on your shoulder, maybe you should chill out somewhat. Personal experience has been of more benefit to me than insurance. I carry auto insurance, however, good judgement while driving has the benefit of accident avoidance.
I have a $5 million personal liability umbrella policy that covers me. I have it through state farm with the rest of my insurance products.
The whole point of insurance is to financially protect you from unforseen occurrences. By definition you cannot avoid unforseen occurrences, only prepare to respond to them. Like insurance, or a spare tire.
