How many people here have shooters insurance (in case you have to use your weapon?)
Printable View
How many people here have shooters insurance (in case you have to use your weapon?)
I think that the NRA actually does carry such a thing, though I am not absolutely certain. At least, I think they used to offer it. I remember hearing about it through my local IDPA chapter--can't remember if it was one of IDPA's programs or if they were just advertising the NRA one.
Is there such a thing?
I looked into it in the past without much luck...
Yes there is, I think there are 2, NRA and someplace else does it, and I think you need minimum 100,000 coverage, which is about $150 a year.
another thread with info:
http://www.co-ar15.com/forums/showthread.php?t=18645
he meant liability insurance for concealed carry, otherwise known as a "personal responsibility umbrella policy"
And
no
Well Colorado law states that in your home if a person a) illegally enters, and b) you suspect they will or have committed a crime and/or c) you feel your life is in danger you are not liable for civil and criminal penalties- basically immune from any civil or criminal prosecution. Not sure if you can try to apply that to the rest of the world, but I would think if I shot someone defending myself I wouldn't have to worry about insurance covering anything, insurance doesn't cover corpses ;)
Check out this link... The program is brand new, in fact it doesn't even start until June 6, so they haven't released all of the details yet...
http://www.usconcealedcarry.com/self...9&utm_content=
Quote:
Originally Posted by Ronin13
Please don't forget there is a huge difference between not having to defend yourself from criminal charges and being sued in civil court by a distraught mother whose precious little snowflake would never have done such a thing as break into your house at 2am. Doesn't matter if they win or lose, you're out thousands for lawyer fees.
Reread my post- I said both CIVIL and criminal... the courts will throw out any civil case that looks like a clean cut matter of self defense, Colorado Legislature protects us there.Quote:
Originally Posted by ChadAmberg
Right, but if its 'iffy', depending on the local prosecutor, who is sometimes out for blood, its about $80,000-$150,000 to defend in court. And this is about CC, that is, if you are in DENVER, or BOULDER, and are attacked, if they decide they want to go after you, it will cost you big bucks.
That is what the shooter insurance is for. Like the guy in Jefferson? county who went out into his yard, the mexicans drove at him while stealing his trailer, and he fired 2 shots. -Yes, he did a bad job of explaining himself, so they NAILED him, lt cost him $ 80 Grand. Peter Boyles covered this guy, forgot his name.
Also, what do you do if you are in Dumbass town, and some local goons start pounding on you or threating your girlfriend etc and you pull and shoot. You are in BIG doo-doo if you get a zealous anti-gun Dist Attny. (Based on a case last year in Denver, minus the gun_)
Everyone, and I do stress EVERYONE has the unalienable rights of life, liberty and the pursuit of happiness. Anyone tries to deny me those rights, by force or threat of force, is not going to see the sun rise again. I know the best thing to do if I ever have to use my weapon in self-defense or defense of others is to remain calm, notify police, then request an attorney to be present before answering any questions, that way I'm protected.Quote:
Originally Posted by rocktot
Right now in Colorado if you injure or kill some POS outside your home, even in self-defense, you have a very good chance of being sued for bodily injury or wrongful death. Some scheister lawyer will get a hold of the family/girlfriend/wife of the POS and sue you. This just happened last year up in Weld County when that Sureno 13 piece of garbage killed that deputy and then in turn was killed after a long car chase. Further as we all know, if the POS hurts or kills you, they have nothing to take, even if they are caught.
Castle Doctrine only protects you in your home when the perp has entered illegally, and where you believe they are, have, or are about to commit a crime and you reasonably believe the perp might use any physical force, no matter how slight against an occupant.
What we need in this state is an expanded Castle Doctrine Law like they have in Florida that protects you anyplace you have a legal right to be (in your car, on the street, etc.) It is a ridiculous proposition that a law abiding citizen when faced with grievous bodily harm or threat of death has to make the choice between their life and their security and home in choosing to defend themselves.
In reality, this is what Castle Doctrine really save you from, civil lawsuits. Most decent DA's are not going to prosecute you for defending yourself (or someone else) in your own home or even on the street, if it's a clear cut case of self-defense. It's probably a good idea to have this sort of insurance if you carry.
your going to need cash, lot's of cash regardless of the law an attorney will file a lawsuit on behalf of the victims family and try to own everything you have. It may get thrown out it may go to trial in the meantime you will be on the hook for the attorney fee's ect.Quote:
Originally Posted by Ronin13
We tell our students that the best thing that can happen after you kill someone is that your life will be the same and that is best case. Be prepared for a turd storm. you may be clear of criminal but the civil litigation will last indefinably for the near future
Unless you are very sneaky and can track down any and everyone who would try to file suit....Quote:
Originally Posted by Opie
http://mimg.ugo.com/200708/2651/assa...1_wideblog.jpg
Just like office assassin!
Not sure if that insurance covers civil...??
One of the things Colorado needs to do is increase the amounts covered in the "homestead protection act".
In many states, your home (more specifically the equity in your home) can not be taken in a civil suit . Colorado protects you for the first $30,000 (although I've read the first $45K also, and that the elderly are covered to the first $90K). Other states have higher levels. I moved from Mass, where the equity in your home is covered for the first $500,000.
What this does, if you have to defend yourself, some POS and his POS lawyer don't go after your home first, in theory making you, and your family homeless. Now they can still garnish wages and net worth, but your home is safe.
When we moved here, we discussed this with our attorney, and he suggested an umbrella insurance policy for $1mm. The cost through our agent was around $200 a year....figuring we already paid over $5000 a year for insurance (home and auto), an umbrella was a no brainer.
Incorrect. Using deadly force to prevent someone from stealing your tv or vehicle is not permissible, Unless you are watching tv in your truck and someone decides to carjack you. Using deadly force to prevent theft of property will get you arrested and potentially charged with murder if not the lesser plea bargain of manslaughter.Quote:
Originally Posted by Ronin13
I suggest you re-read sections CRS: 18-1-706 which also references sec 18-1-704 regarding deadly physical force.
Jim, it is if in the process you feel your life is in danger. Ronin13 also included that one critical part: "c) you feel your life is in danger".
C.R.S. Section 18-1-704(2)(a) and (b) state that: "Deadly physical force may be used only if a person reasonably believes a lesser degree of force is inadequate and....the actor has reasonable ground to believe, and does believe, that he or another person is in imminent danger of being killed or of receiving great bodily injury, or....the other person is using or reasonably appears about to use physical force against an occupant of a dwelling or business establishment while committing or attempting to commit burglary as defined in sections 18-4-202 to 18-4-204...."
To everyone, it really is important, as Jim said, to read the Colorado Revised Statutes (C.R.S.), which is available in every public library. For anyone who has never done this, it may seem a bit overwhelming at first, but it's really not too difficult to unravel the criminal codes. Just be sure to keep reading because once you think you have your answer, the next paragraph probably provides a "however"! C.R.S. 18-1-704(3), the paragraph following what I quoted above, goes on to say who is NOT JUSTIFIED in using deadly force in those instances above, in subparagraphs (a)(b) and (c). There are always exceptions!
correct if in danger. HOWEVER a "smart" person does not leave the secure area to investigate the noise. You do not know how many are in the house or by an entrance way. You remain in the room UNLESS you have kids down the hall. Then and only then do you follow the contingency plan for such an occurrence. Before all this unfolds you should have already dialed 911.Quote:
Originally Posted by Panther AR
By going out of the secure room you put everyone in jeopardy. being gung ho does nothing if the shit truly hit the fan. ALL YOUR HOUSEHOLD ITEMS SHOULD BE INSURED. like your wallet let them take it, it ain't worth a gun fight for a fuckking flat screen. Unless you happen to be watching it when the door gets kicked in. I am reading a fair amount or braggadico from folks who may or may not have been in a close encounter of the 3rd kind. It ain't like the movies. It's like hitting black ice. you hope your training once in motion gets you out of it with minimal damage.
YMMV
With you on that, Jim! Do you ever watch Personal Defense? Outstanding show on topics such as what you described. Great posting, Jim!
no i do not. what i do is teach what i preach.Quote:
Originally Posted by Panther AR
Personal Product Placement Disclaimer: I had more than a few board members and their significant others attend my CCW class. I do agree, if you can own a gun you should be able to carry it. With that being said like any other dangerous tool like a chain saw or planer, just because you have them does not know you have any idea how to use it, properly.
There are many good-great instructors out there, i suggest you take as many courses as the budget allows.
Practice, practice, Practice. Then practice some more. have contingency plans, then backup ones for when plan A goes in the shitter. Your wallet, tv, bbq or even the car is replaceable, your child, wife, who ever is not.
And yes even when cleared by the DA you will have built up $20-40K in legal fees , not including any piece of shit relative climbing out of the woodwork to get a slice of your pie.
This isn't exactly "insurance" but may be what you're looking for.
Armed Citizens' Legal Defense Network
http://armedcitizensnetwork.org/
They have criminal defense attorneys in most major metro areas, and will put one on a member's case as soon as they are notified of an incident. If I recall correctly $5k is automatic, another $5k is automatic if felony charges are filed. From there the board meets as the case progresses and provides additional funds, contacts with experts, etc. as needed.
I've been checking out that ALCDN insurance.
It's only $85 a year to be a member.
I've seen good reviews about it
The founder, Marty Hayes, is a really great guy. When you ask him about this it's clear he's really passionate about it and intends to do good things.Quote:
Originally Posted by chunga
Just do things the right way, as Jim posted.