There are many parameters that factor into one’s personal defense options. We can choose non-lethal means such as pepper spray, Tasers, or stun guns, or we can opt for a firearm. In past columns we have covered some of the questions one must ask before deciding to use a firearm for self-defense. One of the questions that we haven’t addressed is what happens after one is involved in a lethal force shooting.
Part of the aftermath of a justified self-defense shooting are the legal costs that arise when you must defend yourself in not only a criminal proceeding, but quite probably also a civil suit. If you are exonerated in a criminal case, the person you shot, or that person’s family may sue for damages. All this legal activity can bankrupt you, even though all you did was defend yourself from serious bodily harm or death. It is estimated that a legally justified shooting will cost the defendant on average $100,000. Some but not all homeowners’ policies offer any help with compensation. So how can we mitigate those legal fees?
There are two types of coverage for self-defense incidents; insurance, and organizations that give financial aid to members of their group. There are advantages and disadvantages to both options and one needs to thoroughly assess each. Here are a few options; many require the buyer to be a CWP holder.
Conifer Holdings, Inc. www.concealedweaponins.com
U.S. Concealed Carry Association (USCCA) also an insurance program. USCCA insurance has several notable endorsers.
Affordable Insurance Solutions, LLC www.concealedcarryinsurance.com
CCW/Safe is also a membership program, it is not an insurance policy. I personally have chosen this organization for coverage.
If you are thinking of adding some form of legal protection coverage to your portfolio, I suggest you start with this link:
Meet with your insurance agent and, most importantly, your attorney; he will help you assess your needs more accurately than anyone. In addition to the above organizations, there are many others in the self-defense coverage area. Be sure to compare and verify the coverages and limits of liability. Like all insurance, let’s hope you never need to use it, and remember, there is no such thing as “Murder Insurance.”
Be safe and good shooting.