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Post by mechanic on Sept 25, 2014 7:24:48 GMT -5
I've been researching various providers of self-defense insurance providers and two seem to pop out. One is through the NRA, administered by Lockton Affinity, but there are two different policies - self-defense and personal liability, which is a touch confusing. Moreover, the coverage looks lite. The other is Second Call Defense that seems more comprehensive, but more expensive, of course.
There's a lot of general information concerning umbrella insurance, etc. but there seems to be a lot of small print.
At the end of the day, I'm reaching out to see what others may have purchased or even experiences in dealing with the legal and civil costs/risks associated with liabilities associated with self-defense. Looking for advice.
Of course, I'm not looking to get into trouble - far from it. But rather due to other things - like getting in a car accident - that have raise my awareness that you need to be prepared - - - - on many levels.
Thanks in advance. |
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Post by Sigma05 on Sept 29, 2014 9:04:36 GMT -5
I'm with Jim. I have been interested in this for a very long time but can't seem to get a straight answer.
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Post by mechanic on Oct 13, 2014 13:34:40 GMT -5
Hey folks,
Still searching, but this came across the other day - ccwsafe.com/ that Vickers is pushing.
Anyone have other ideas, thoughts, or recommendations? Any thoughts on CCWSafe? |
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Post by Sigma05 on Oct 15, 2014 6:37:22 GMT -5
Looking at the comparison, it seems to be a lot more complete than the others. Especially in the hidden fees where most will get you if the case drags on.
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Post by mechanic on Oct 15, 2014 12:41:47 GMT -5
Yea.... I agree. So... here is what I've learned so far... at least I think I know - - and I'm not a lawyer, I just play one on TV. Anyway....
First, you have insurance, like umbrella insurance that pays for potential losses. That's where something like Lockton can help. However, they will reimburse, not pay, and like all insurance there are limits. There's also some small points in the terms from Lockton that there are conditions where reimbursement may be limited.
The next or other part is closer to Second Call and CCWSafe, and that is no money at all - so no coverage against losses - but, specifically no cost from legal fees, expert witness, etc.
Yes, there are combinations and I've found most are reimbursement-based, which if found guilty may not cover you. Regardless, you still have to come up with the initial cash. And if you are found guilty, all kinds of bad can happen to your family, etc. so you need an umbrella scenario to cover civil losses.
Anyway... I'm leaning to CCWSafe as a starting point. The reasons? Comparatively inexpensive No limits to legal coverage No upfront payment of legal fees
Is it the best? I don't know, and hope to never find out. Nevertheless, $99 per/yr to have even some backup from a legal perspective is something I can muster.
My next step is getting comprehensive umbrella insurance to cover the gaps that will inevitably surface due to other insurance's small writing. There are a lot of little holes. So after you've exhausted layers of other insurance you have a back up.
Oh.... one more thing. None of this stuff covers you at a firing range or an event where guns are being used... you have to get completely different coverage for that. Think of it this way... you buy a car and take it on the road, so you get road insurance. However, you take to the track and run the tires off of it... can't expect the road insurance to cover your crazy shit on the track... so you get track insurance. Next step.... looking into the one from the NRA/Lockton called Personal Firearms Liability Insurance for NRA members, and not a bad price to cover yourself from firearm accidents. |
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