The Down Range Forum
Member Section => Down Range Cafe => Topic started by: Timothy on October 06, 2016, 06:54:32 PM
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NRA is offering 100k to 1m of insurance coverage to protect me if I ever have to use my CCW.
Anyone know if this is worth the few hundred bucks they're charging?
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nope, get a good umbrella and be happy
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Explain.
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you can get way more insurance with an umbrella that's why.
$600 for 1 million and 100k in criminal def.
1st 1 million is not near enough, you really need 2-5 min. ( lots of high profile scum bag lawyers out there)
the criminal side is not needed and its no where near enough. you can blow thru 100k in less then a month( don't ask me how I know) if you are really looking for a legal defense insurance there are better policys out that offer more for a fraction of the cost.
I have not read the policy, but one thing I would look at is if you have a stray bullet that hits some one . I would also look at rather or not it will defend you if you are in a gun free zone. in other words if you commited a criminal act willfully you lose all coverage. box of ammo says its there.
My 5 mill per incident 10 mil total umbrella is 1100 a year and it already covers the use of firearms in defense and even NDs. so for a little more then double I get 10x the coverage and it covers me for a whole bunch of other things.
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I disagree TAB. Unless your attorney has expertise in firearm use defense. I have USCCA, because of the network they have a cess to. If NRA proves it self, it could be good as well.
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you never buy a policy where you must use an in-network attorney.
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MA has very specific allowable reasons for use of deadly force. Even with a castle doctrine here, you still MUST feel threatened and in fear of your life to use it! Defense of property is not good enough!
The NRA offered insurance IS a underwritten policy. I don't own this house so my renters offers no umbrella policy.
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you never buy a policy where you must use an in-network attorney.
You do when you're purchasing full protection. They both cover you and defend you. If you have a better team of attorneys and experts, more power to you. But, there are not that many experts in the nation, so I will insure with a network.
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What's the coverage from USCCA, Mike? I think I'm a member, gotta go through my records, ha, ha...
Been donating a lot these days... :)
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They have different levels. Like you, I need to look. I think it starts just over a hundred and peaks under $400.
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You do when you're purchasing full protection. They both cover you and defend you. If you have a better team of attorneys and experts, more power to you. But, there are not that many experts in the nation, so I will insure with a network.
a net work does not mean they good, just that they agreed to work for a set price paid by a 3rd party.
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Attorneys who know and deal in this area are hard to come by. I will pay for coverage that brings them, expert witnesses, liability coverage, and financial help all with one phone call. I have looked, and I can't find that expertise on my own.
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I'm kinda liking the USCCA plan. Gonna read up a bit more and decide. NRA is. reimbursed policy. Not having a 15k retainer myself, the USCCA looks better.