Just got our Utah concealed carry license, clearly need coverage. Curious about input from experiences with whichever one you have. Good bad or indifferent. We are open to any provider.
Concealed carry legal defense options?
4,190 Views |
46 Replies |
Last: 1 yr ago by Texarkanaag69
The old OB crew would tell you to skip the national services because you dont pick your attorney and they only cover certain amounts or hours, and to find a defense attorney in your area, make an appointment, and establish a client relationship and carry their number with you in your phone.
This. Find an attorney that knows the local magistrates and can find his way around the local court house. The chances of being in an incident that involves using your firearm are about the same as winning the lotto.dr_boogs said:
The old OB crew would tell you to skip the national services because you dont pick your attorney and they only cover certain amounts or hours, and to find a defense attorney in your area, make an appointment, and establish a client relationship and carry their number with you in your phone.
Why do you 'clearly need coverage'
That seems silly.
That seems silly.
Might be a tad drastic term.
The services seem to provide access to legal counsel only. You need to get liability coverage to cover you against a judgment for civil damages against you.agsalaska said:
Why do you 'clearly need coverage'
That seems silly.
Texarkanaag69 said:The services seem to provide access to legal counsel only. You need to get liability coverage to cover you against a judgment for civil damages against you.agsalaska said:
Why do you 'clearly need coverage'
That seems silly.
Deleted. My apologies. I was a little strong there with my wording.
OP needs to watch this video:
Don't buy concealed carry insurance or any other insurance like that. It is a total racket and waist of money.
Have a good night.
Have a good night.
Actually the OB crowd would say "Don't waste your F..King money on that crap".
As said know a good lawyer and it's not a bad idea to see what an umbrella insurance policy costs. It covers a lot more liability possibilities.
As said know a good lawyer and it's not a bad idea to see what an umbrella insurance policy costs. It covers a lot more liability possibilities.
high profile case lately where someone with this coverage used their CCW and the party that was supposed to defend them unilaterally decided it wasn't a "good shoot" and hung them out to dry. At least one, maybe two.
Just get an umbrella liability coverage if you think you need something, and have it cover you 24/7, whether a gun is involved or not.
who put a bug in your ear about coverage, if I may ask?
Just get an umbrella liability coverage if you think you need something, and have it cover you 24/7, whether a gun is involved or not.
who put a bug in your ear about coverage, if I may ask?
dammit Bott!
Hey just one minute
Clearly I screwed up the verbiage on this entire post, I should prolly be knocked down to rookie status!
What he was speaking about is exactly what I was trying to ask. Not so much "insurance" but an organization that best supports you post incident.
I know the odds are drastically against anything happening but, I prefer to prepare for the worst yet hope for the best.
I am going to look into his group as well.
What he was speaking about is exactly what I was trying to ask. Not so much "insurance" but an organization that best supports you post incident.
I know the odds are drastically against anything happening but, I prefer to prepare for the worst yet hope for the best.
I am going to look into his group as well.
An umbrella is only good if you have an underlying policy. It does not create a new type of coverage but simply adds more limits to the underlying coverage you have.TX AG 88 said:
high profile case lately where someone with this coverage used their CCW and the party that was supposed to defend them unilaterally decided it wasn't a "good shoot" and hung them out to dry. At least one, maybe two.
Just get an umbrella liability coverage if you think you need something, and have it cover you 24/7, whether a gun is involved or not.
who put a bug in your ear about coverage, if I may ask?
The national brands claiming to provide for your defense and coverage are shams. Two very high profile cases in the last year where both had ccw "coverage" and both got hung out to dry a male and a female. Many, many videos and stories roasting them for it, and yet you still see their commercials everywhere. Like others have said, find a local to tour area criminal and civil attorney or attorneys that specialize in firearms related cases. They are around. Spend the money that way.
How about "The Armed Attorneys" on YouTube? The guy is an Ag.
It's not that simple. So called "umbrella" policies change dramatically when you put firearms in the policy.
We had to have for the ranch for liability for the folks hunting. The cost for the proper coverage was very expensive…. And our risk was considered very low. Lots of companies won't even write it… regardless of cost… so lack of competition makes it even higher.
Same coverage for CCL was even more prohibitive in cost.
ETA: I will add that for good coverage that really protected us the cost was more than half of the income produced…. one of the main reasons we got out.
We had to have for the ranch for liability for the folks hunting. The cost for the proper coverage was very expensive…. And our risk was considered very low. Lots of companies won't even write it… regardless of cost… so lack of competition makes it even higher.
Same coverage for CCL was even more prohibitive in cost.
ETA: I will add that for good coverage that really protected us the cost was more than half of the income produced…. one of the main reasons we got out.
This. See my post above.
I'll also add, not to de rail but OB related….. on those umbrella policies. Any of you guys that have land and allow UTV/ATV use…the cost for coverage to add them to the "umbrella" policy is almost as prohibitive as the firearms use.
TX AG 88 said:
high profile case lately where someone with this coverage used their CCW and the party that was supposed to defend them unilaterally decided it wasn't a "good shoot" and hung them out to dry. At least one, maybe two.
Just get an umbrella liability coverage if you think you need something, and have it cover you 24/7, whether a gun is involved or not.
who put a bug in your ear about coverage, if I may ask?
That's pretty ****ty, when scumbag lawyers wake up every single day to defend murderers hoping for parole.
Again, I'm telling you an umbrella policy DOES NOT provide new coverage. It only gives you another layer of money over your basic policy to protect you from civil liability. Doesn't have anything to do with lawyers. Unless you have a basic policy to cover you for a "bad shoot" you ain't gonna cover your rear with an umbrella. I promise you that if you go out and shoot the intended target or miss and hit an innocent bystander a jury's going to decide your liability and your homeowner policy ain't gonna cover that. Nor will an umbrella unless you have an underlying basic policy that covers your shots.Cromagnum said:TX AG 88 said:
high profile case lately where someone with this coverage used their CCW and the party that was supposed to defend them unilaterally decided it wasn't a "good shoot" and hung them out to dry. At least one, maybe two.
Just get an umbrella liability coverage if you think you need something, and have it cover you 24/7, whether a gun is involved or not.
who put a bug in your ear about coverage, if I may ask?
That's pretty ****ty, when scumbag lawyers wake up every single day to defend murderers hoping for parole.
Texarkanaag69 said:Again, I'm telling you an umbrella policy DOES NOT provide new coverage. It only gives you another layer of money over your basic policy to protect you from civil liability. Doesn't have anything to do with lawyers. Unless you have a basic policy to cover you for a "bad shoot" you ain't gonna cover your rear with an umbrella. I promise you that if you go out and shoot the intended target or miss and hit an innocent bystander a jury's going to decide your liability and your homeowner policy ain't gonna cover that. Nor will an umbrella unless you have an underlying basic policy that covers your shots.Cromagnum said:TX AG 88 said:
high profile case lately where someone with this coverage used their CCW and the party that was supposed to defend them unilaterally decided it wasn't a "good shoot" and hung them out to dry. At least one, maybe two.
Just get an umbrella liability coverage if you think you need something, and have it cover you 24/7, whether a gun is involved or not.
who put a bug in your ear about coverage, if I may ask?
That's pretty ****ty, when scumbag lawyers wake up every single day to defend murderers hoping for parole.
gotcha, good to know. never looked into insurance for gun related incidents, so didn't know that. only context umbrella policies have come up is in regards to rental properties, so my exposure to the subject is limited. if one were to get an umbrella policy, would the underwriter of the umbrella have to be the same entity that carried the underlying policy/policies? that could sure limit your choices/raise your costs...
No thanks.
Not necessarily. If your agent that covers your property also writes umbrellas there are many positives to having all of your coverages with one agent. The agent may have to spread your coverage with more than one carrier but he'll know what you have and can avoid any gaps in coverage. It's not unusual for your agent to go to a different carrier for umbrella coverage. But please remember you need a basic policy to cover you against civil damage liability from someone who's injured by your shot. Hope that helps.TX AG 88 said:Texarkanaag69 said:Again, I'm telling you an umbrella policy DOES NOT provide new coverage. It only gives you another layer of money over your basic policy to protect you from civil liability. Doesn't have anything to do with lawyers. Unless you have a basic policy to cover you for a "bad shoot" you ain't gonna cover your rear with an umbrella. I promise you that if you go out and shoot the intended target or miss and hit an innocent bystander a jury's going to decide your liability and your homeowner policy ain't gonna cover that. Nor will an umbrella unless you have an underlying basic policy that covers your shots.Cromagnum said:TX AG 88 said:
high profile case lately where someone with this coverage used their CCW and the party that was supposed to defend them unilaterally decided it wasn't a "good shoot" and hung them out to dry. At least one, maybe two.
Just get an umbrella liability coverage if you think you need something, and have it cover you 24/7, whether a gun is involved or not.
who put a bug in your ear about coverage, if I may ask?
That's pretty ****ty, when scumbag lawyers wake up every single day to defend murderers hoping for parole.
gotcha, good to know. never looked into insurance for gun related incidents, so didn't know that. only context umbrella policies have come up is in regards to rental properties, so my exposure to the subject is limited. if one were to get an umbrella policy, would the underwriter of the umbrella have to be the same entity that carried the underlying policy/policies? that could sure limit your choices/raise your costs...
Waste of money.
Not sure what the Utah CHL class covers but the cheapest "insurance" is education. Make sure you know self defense laws for the state(s) you will be in. Take a class if you can find a good instructor (attorney or LE?).
Also, learn how to be a "hard target" and proactively avoid situations. Criminals are looking for easy targets and you should have good situational awareness.
Also, learn how to be a "hard target" and proactively avoid situations. Criminals are looking for easy targets and you should have good situational awareness.
The big companies pay "instructors" if they help them push their coverage and some even provide incentives if they convince people to sign up.
Just in case you're wondering why a chunk of your class was spent trying to scare the snot out of you on needing their coverage.
Just in case you're wondering why a chunk of your class was spent trying to scare the snot out of you on needing their coverage.
Attorney Andrew Branca has a good website & streams about various cases of self defense, has online classes, a free book (you pay s/h), etc.
https://lawofselfdefense.com/
https://lawofselfdefense.com/
Don't disagree. But if your good shot goes bad and you wound or kill an innocent bystander your education ain't gonna protect you. And if a jury finds you liable you're going to wish you had insurance coverage to pay the judgment against you. Whatever your bullet hits after it hits the bad guy you're going to pay for. Shoot on!!InfantryAg said:
Not sure what the Utah CHL class covers but the cheapest "insurance" is education. Make sure you know self defense laws for the state(s) you will be in. Take a class if you can find a good instructor (attorney or LE?).
Also, learn how to be a "hard target" and proactively avoid situations. Criminals are looking for easy targets and you should have good situational awareness.
So what is the answer in terms of insurance? Right now I'd say a good portion of the population that carries is covered on by their homeowners insurance. Is there an insurance that might help if the unexpected happens?
The federal government was never meant to be this powerful.
Their homeowner's policy will not cover that. Call your agent and ask him/ her if your homeowner's policy covers you for a shooting incident. Let me know what answer you get. Seriously. Don't think it matters whether shooting occurs on your home property or elsewhere, my opinion is that the liability part of your homeowner's policy will not protect you. Hope you can prove me wrong.LOYAL AG said:
So what is the answer in terms of insurance? Right now I'd say a good portion of the population that carries is covered on by their homeowners insurance. Is there an insurance that might help if the unexpected happens?
For anyone reading this I suggest that you call your insurance and pose the question to them.
You are correct sir. And get ready for the quick step fast talk when you inquire.
Texarkanaag69 said:Their homeowner's policy will not cover that. Call your agent and ask him/ her if your homeowner's policy covers you for a shooting incident. Let me know what answer you get. Seriously. Don't think it matters whether shooting occurs on your home property or elsewhere, my opinion is that the liability part of your homeowner's policy will not protect you. Hope you can prove me wrong.LOYAL AG said:
So what is the answer in terms of insurance? Right now I'd say a good portion of the population that carries is covered on by their homeowners insurance. Is there an insurance that might help if the unexpected happens?
For anyone reading this I suggest that you call your insurance and pose the question to them.
I may do that and if I do I'll report back. I do know I mentioned carrying in public to a USAA agent when discussing umbrella and they said it would apply. That's been several years. If I think about it later this week I'll ask them again.
The federal government was never meant to be this powerful.
https://rebrand.ly/uuvrreo
https://www.uslawshield.com/
Paying in Texas $14/mo for the basic options I selected & they come 100mi from Houston to serve in their specialty.
Local general-law attorney rates I hear are $2-300/hr by comparison
https://www.uslawshield.com/
Paying in Texas $14/mo for the basic options I selected & they come 100mi from Houston to serve in their specialty.
Local general-law attorney rates I hear are $2-300/hr by comparison
Short-hand answers here ... long-hand help here ....
http://pages.suddenlink.net/tgivaughn/
http://pages.suddenlink.net/tgivaughn/
Featured Stories
See All
KC BOUND! Miracle upset in Lincoln sends Texas A&M to Final Four
by Richard Zane
5:16
8h ago
4.4k
5:40
7h ago
498
Game Highlights: Texas A&M 112, Jacksonville 75
by Matthew Dawson
CastilloAg_16
Aggie Volleyball teams arrives to fans at Reed Arena
in Billy Liucci's TexAgs Premium
16
AggieBucksJB
Aggie Volleyball teams arrives to fans at Reed Arena
in Billy Liucci's TexAgs Premium
16