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Self-Defense Insurance?

Discussion in 'Legal & Political Archive' started by Saw the Elephant, Feb 10, 2009.

  1. Saw the Elephant

    Saw the Elephant Salem, Oregon New Member

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    Anybody have a liability policy that covers your legal expense for a self-defense shooting? Most liability insurance policies cover unintentional or listed occurrences, not a quarter-sized group through the sternum, which is clearly intentional.
     
  2. Bend

    Bend Central OR Member

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    Are you going to offer pre-paid services?
     
  3. korntera

    korntera Oregon Member

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    I called my agent at state farm and he said that in a home invasion case where I use a lethal option I am covered. However If I upgrade to an umbrella policy I get coverage even if I were to shoot somebody out on the street. He also seemed a LITTLE unsure of all this lol.
     
  4. jankun

    jankun Portland Member

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    I havent checked with my agent, but will in the morning.

    I have a $2million Umbrella policy that costs in the range of $350/year. I had to up my auto policies to the 250/500 limits to get it, but is worth it if you own a house, assets, etc. I travel and drive alot for work, I carry concealed in OR/WA/ID due to all areas traveled, wanting to make it home, sketchy hotels, etc. I am licensed in all areas as well and am responsible. I own a house, am married, have four kids, own three vehicles and am saving for retirement.

    I learned several years ago that my auto policies were too low. I was lucky enough to settle for $40k in an accident where I was not cited, the other individuals were not licensed/not insured/not wearing seatbelts/driving a beater vehicle with tires where you could see the metal weave of the belts. They hit me. technically I was at fault for pulling in front of them. Due to their medical bills, I could have ended up paying $300k+. I WAS LUCKY. I was referred to a GOOD lawyer who knew the business and knew how to negotiate. I refinanced my house and paid a settlement.

    POINT BEING:
    If you carry concealed you are not a cop or a doo-gooder, you are protecting you life and that of your family and any iniocents.

    I always tell people, if you use your firearm outside your residence, right or wrong, you will likely:
    Loose your firearm to evidence.
    Spend a night or two in jail right or wrong. (hopefully not)
    pay several thousands in legal and court costs. (not to include a wrongful death or other lawsuit from the dead guys family)

    and if sued by the deadders family, make sure your umbrella policy covers that.


    I speak with no Insurance or official Law Enforcement background. Just a guy who had to pay alot of my earnings and refinance my house in a settlement where I wasn't at fault and didn't have enough insurance to cover my situation, all in order to protect all I had worked so hard to build for myself and family.

    If you have gotten licensed, some training, are a homeowner and a generally responsible citizen, look into getting an umbrella policy. It will cover you for auto/uninsured motorist/someone drowning in your pool or gutter/trip and fall on your property/ OR in a self defense shooting.

    Protect what you've earned and built in your life. I never believed in insurance so much till I had to really pay.

    Disclaimer:
    Im not in the insurance field.
    Im not a lawyer.
    Im not in law enforcement.
    Just a guy who does not want to have pay again.
    Thank You.
     
  5. Doc In UPlace

    Doc In UPlace Tacoma-ish Well-Known Member

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    My policy covers me under my business E&O coverage, $2 million aggregate.
     
  6. Doc In UPlace

    Doc In UPlace Tacoma-ish Well-Known Member

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    Just read the new post above mine. Non-homeowners can purchase Renters' Insurance too, there's no reason (aside from lack of premium payments) that those folks should go without coverage, either.
     
  7. pr787lv

    pr787lv somewhere in the NW Member

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    I hope this is still within the same thread. Question, do anyone has "Pre-Paid Legal Services"? The broker who sold me the coverage said my legal expenses are covered in the cases listed above. But I'd rather have a 2nd (and a 3rd) opinion from someone who really knows.
     
  8. NWMoss

    NWMoss Lost, permanently... Member

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    You are refering to the auto-incident and not a self-defense incident I gather?
     
  9. jankun

    jankun Portland Member

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    I have E&O insurance for my business, but i am pretty sure it doesn't cover armed issues. I will definitely check in the morning. Thanks for the heads up reminder.


    It was an auto incident where I PAID big. not self defense
     
  10. Doc In UPlace

    Doc In UPlace Tacoma-ish Well-Known Member

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    I'm an armed Private Investigator...
     
  11. jankun

    jankun Portland Member

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    btw, my posts are by a guy with no first, second or even third hand experience or knowledge. Just looking to protect mine.
     
  12. Saw the Elephant

    Saw the Elephant Salem, Oregon New Member

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    Not if I take your meaning correctly. "Pre-paid legal services" is like a health or dental insurance plan. Follow the link in my signature below. That's what I'm more interested in doing professionally - advising one armed citizen at a time.